OptimaFit® Health Plans

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Direct Plan

Choose local, choose Optima Health

Direct network plans include the full network of over 26,0001 doctors and facilities, in a two-tier structure to maximize cost savings.

You can save money when you get services from a Tier 1 doctor or facility.


  • Health Savings Account (HSA)
  • Wide range of Gold, Silver, and Bronze level plans

Get a Quote  Learn More

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Select Plan

Clinically integrated network for you and your family

Select network plans utilize local doctors and facilities within key clinically integrated networks, to provide high-quality and efficient care.

You can save money if you get services from a regionalized group of doctors and facilities.


  • Health Savings Account (HSA)
  • Wide range of Gold, Silver, and Bronze level plans
  • Sentara Quality Care Network (SQCN) and Sentara Healthcare statewide

Get a Quote  Learn More

Health insurance coverage for individuals and families just got more rewarding with OptimaFit® health plans from Optima Health. OptimaFit plans combine great health insurance coverage and a wide variety of deductible and copayment options.

Healthcare.gov allows you to shop and compare plans and determine if you are eligible for tax credits (financial assistance) to help pay for your health insurance plan. Optima Health offers a variety of health insurance plans on the Health Insurance Marketplace. You can shop for them online, alongside our other health insurance plan offerings, by selecting Quote & Enroll.

Plan Features

  • A wide range of deductibles and copayments offered
  • Gold, Silver, and Bronze plans offered on the Health Insurance Marketplace
  • Preventive services covered at 100% if received from a health plan provider (office copayments may apply)
  • 24-hour access to online or phone consultations with board-certified physicians through MDLIVE
  • View the OptimaFit Individual and Family Plans Drug Formularies

What Are Health Insurance Metallic Tiers?

Metallic Tiers: Health insurance plans are grouped by metallic tiers to make it easier for you to compare plans. The difference between tiers is the out-of-pocket costs you pay and the premium. Each OptimaFit plan in every metal level covers all the features listed above.

Gold Silver Bronze
Monthly Premium $$$ $$ $
For Expense Planning Higher premium, lower out-of-pocket costs Mid-range premiums, moderate out-of-pocket costs Lower premiums, higher out-of-pocket costs
Good If... You plan to visit the doctor often. You need to balance monthly premium costs with out-of-pocket costs. You don’t plan to use a lot of healthcare services.

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Subsidy Eligibility

Discover which subsidy you and your family are eligible for based on your income bracket. 

View Subsidy Chart
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father and son shopping for produce

Health and Wellness

OptimaFit plans include a wide array of wellness, programs, discounts and educational information.

Find Out More About Health and Wellness
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Are you now eligible for Medicaid?

Beginning January 1, 2019, thousands of Virginians between the ages of 19-64 will be able to get the health care they need at little to no cost under the Virginia Medicare expansion.

If you haven't qualified for Medicaid before, may may qualify now.

See if you qualify
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male entrepreneur working on iMac computer

Self-Employed Plans

Do you run your own business for which you have an appropriate IRS tax service form? (Service Form 1040, Schedule C, or Schedule F) Well then, you may be eligible for a sole proprietor small group plan.

Explore Sole Proprietor Plans

OptimaFit Plan Comparisons & Formularies