Virginia Health Insurance — Built Around Your Life
From the technology and professional corridor of Northern Virginia to Richmond and the coast, Virginia is full of self-employed people and families buying their own health coverage. I help individuals, the self-employed, 1099 contractors, families, and small businesses across Virginia — from Northern Virginia, Richmond, and Virginia Beach to Hampton Roads and Roanoke — find private under-65 plans that fit.
Open Enrollment for 2027 coverage
For 2027 plans, Open Enrollment generally runs November 1, 2026 through January 15, 2027 — enroll by December 15 for a January 1 start (a few state-run marketplaces set their own dates, which I'll confirm for you). Worth knowing this year: the enhanced premium subsidies that held costs down through 2025 have scaled back, so many self-employed people in Virginia are seeing higher premiums for 2027 — if you're near the income cutoff, it's worth re-running your numbers rather than assuming last year's plan still fits. See the full 2027 Open Enrollment guide or run your numbers in the estimator.
How health coverage works in Virginia
Starting with the 2024 plan year, Virginia runs its own marketplace, Virginia's Insurance Marketplace, for ACA plans, which are guaranteed-issue and subsidy-eligible if your income qualifies. But it is not your only path. Many self-employed Virginians and families who earn too much for a subsidy — or got priced out — turn to private under-65 plans, which often offer PPO-style flexibility and year-round enrollment. I help you compare both honestly, and you decide.
Northern Virginia, Richmond, and Virginia’s contractors
Virginia has one of the highest concentrations of independent contractors in the country, and a lot of that is my work. Northern Virginia — the DC suburbs — runs on government and defense contracting, consulting, and tech, a world where 1099 and small-firm income is everywhere. Richmond adds finance, law, and a growing startup scene; Hampton Roads brings the shipbuilding and maritime trades; and the rest of the state spans ag, university towns, and small business. For self-employed Virginians earning above the subsidy line, I’ll walk you through your marketplace and private under-65 options so you see the full picture.
Who I help across Virginia
- Self-employed Virginians and 1099 contractors who have to find their own plan
- Families and individuals looking outside an employer plan, from the big metros to small-town Virginia
- People whose COBRA is running out, or who left a job and need coverage without a gap
- Small business owners setting up a plan for themselves and their team
- Early retirees who need a bridge to carry them to Medicare
A broker who's still there after you enroll
I'm independent, so I compare your real options and recommend what fits you — even when it earns me nothing. One licensed advisor, start to finish, not a call center, and I am still here after you enroll. Licensed in 31 states, including Virginia. (Ryan Michalek, NPN 21043091.)
Quick answers for Virginia.
Can I buy coverage in Virginia outside open enrollment?
Often, yes. If you've had a qualifying event — losing coverage, moving, a change in your household — that typically opens a special enrollment window on Virginia's Insurance Marketplace. Outside of that, many private under-65 plans are built to enroll year-round, so there's usually still a path forward.
Do you serve all of Virginia?
Yes, statewide. From Northern Virginia and Richmond to Hampton Roads, Roanoke, and the smaller towns in between, I work by phone and video, so where you live never gets in the way.
Is there a fee to work with you?
No. I'm paid a commission by the insurance carrier once you enroll, so there's no fee to you for the time we spend comparing options.
Explore coverage by situation.
Self-employed & 1099
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Families & individuals
Coverage for your household, built around your budget and doctors.
Explore family coverage →COBRA & coverage gaps
COBRA ending, between jobs, or losing a plan? Move fast and avoid a gap.
See gap options →Moving to a new state
A move can open a special window — and your plan may not cross state lines.
What changes when you move →Covering a team? Explore small business & group coverage → · See all service areas →
Call and you get me, not a script. No robocalls, no spam, no pressure to enroll — just a real conversation about your options.
Let's find your Virginia coverage.
Fifteen honest minutes with a real licensed broker — I'll compare your choices and you decide.