Health insurance for Virginians who buy their own.
We help Virginians who buy their own health insurance, from people leaving a job to the self-employed and early retirees, compare Marketplace plans, state continuation and other options.
Virginia plans we compare
What’s different about health insurance in Virginia.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Virginia FAQ- Virginia runs its own Marketplace, and open enrollment for 2027 coverage runs November 1, 2026 to January 29, 2027.
- New for 2027: Virginia Premium Savings adds state help on top of federal tax credits for incomes between 138% and 250% of the poverty level, while funds last.
- The extra federal tax credits ended after 2025, and average pre-subsidy rates rose about 21.6% for 2026 with another 15.8% approved for 2027.
- Cigna is leaving the Virginia Marketplace after 2026, so Cigna members must choose a new plan for 2027.
- Virginia state continuation lets people at smaller employers keep group coverage for up to 12 months.
- Short-term plans are capped at 3 months, and 6 months total in any 12-month period.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Virginia's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Virginia, and what to use instead.
Learn moreWho sells plans in Virginia
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Virginia FAQ, or ask an agent at (888) 214-4898.
Open enrollment on Virginia's Insurance Marketplace runs from November 1, 2026 to January 29, 2027. Outside that window you need a qualifying life event, such as losing coverage, marriage or a new baby, to enroll.
It is a new state-funded program for 2027 Marketplace plans. If your household income is between 138% and 250% of the poverty level (about $22,025 to $39,900 for one person), it lowers your monthly premium after federal tax credits are applied. Funds are first-come, first-served, so enrolling early helps.
Yes. The enhanced premium tax credits expired at the end of 2025. The original ACA tax credits are still available for people who qualify, and Virginia's new state program adds help for some lower-income households in 2027.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Virginia county, check your subsidy, and walk you through the options. No cost, no obligation.