Affordable Healthcare Made Possible by the American Rescue Plan Act of 2021

Have a qualifying life event and need insurance? Under the American Rescue Plan Act, you may be eligible for a larger subsidy amount or be newly eligible if you didn’t qualify before. Talk to one of our OptimaFit® Personal Plan Advisors at 1-800-741-4825 to learn more.

OptimaFit® Individual & Family Health Plans

With more than three decades of experience serving residents of the Commonwealth of Virginia, Optima Health Plan knows what’s important to individuals and families of our communities. It’s our job to make it easier for people to make good health plan decisions, even as healthcare becomes more complex. We improve health every day.  Check if your provider is in our network.

Need Help? Talk to an OptimaFit Personal Plan Advisor at 1-844-206-3208

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Our Plans

Our plans feature our tiered Direct provider network.


  • OptimaFit Direct plans available ON and OFF the Health Insurance Marketplace
  • A variety of plans with a wide range of deductibles and copayments
  • Health Savings Account (HSA) option
  • Gold-, Silver-, and Bronze-level plans

See Our Plans

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Added Benefits

With an OptimaFit plan, you have access to many great value-added benefits.


  • Access to on-demand care from anywhere with board-certified physicians over the phone, online or video chat
  • Emergency Travel Assistance
  • Discounts on health and wellness services
Learn More
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Our Service Area

Direct plans are in select areas of Virginia.

Coverage Areas

  • Charlottesville
  • Harrisonburg
  • Hampton Roads
  • Halifax and Mecklenburg
  • Greater Richmond
  • Rockingham
View Availability

We Make Healthcare More Rewarding

We’re committed to going above and beyond for our members by building strong relationships and supporting them on their journey to better health. Backed by a dedicated member services team and an outstanding network of providers, our members know we’ve got them covered.

OptimaFit Health Plans are designed with families and individuals in mind. With lower cost-share options and a wide range of network designs, our Individual and Family Plans offer more choices, innovative solutions, and enhanced access to high-quality care. We’ve made it easier than ever for you to find the health plan that works for you.

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Health and Wellness Programs

Free programs and online tools to help you get healthy and stay healthy.

Learn About MyLife MyPlan
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Other Health Insurance Coverage Options

Do you qualify for Medicaid?  Even if you are not eligible for one of our OptimaFit Health Plans, you might be eligible for one of our other coverage options including Medicaid, or health insurance plans for self-employed sole-proprietors.

See More Options