Virginia Health Insurance: Free Help Comparing ACA and Private Plans
Virginia Health Insurance: Free Help Comparing ACA and Private Plans
Licensed in Virginia — helping you online, from Northern Virginia to Virginia Beach.
I help Virginia individuals, families, and self-employed professionals compare their health insurance options and enroll — all online by phone or video, at no cost to you. I'll show you ACA plans through Virginia's Insurance Marketplace and private plans side by side, so you can choose what fits your health, your doctors, and your budget.
Virginia Runs Its Own Marketplace
Virginians no longer use HealthCare.gov. Virginia's Insurance Marketplace is the state's own exchange for ACA plans and financial help — and I can help you compare plans and enroll. About 370,000 Virginians enrolled for 2026, and more than 78% qualified for premium tax credits.
What's Changing for 2027 in Virginia
Open Enrollment runs November 1, 2026, through January 29, 2027. Choose a plan by December 15 for coverage starting January 1; enrolling later can leave a gap at the start of the year.
Seven insurers are expected to offer plans for 2027. Cigna is leaving the marketplace at the end of 2026 — if your plan is ending, you'll need to choose a new one.
The weighted average increase is about 15.8% before subsidies. Your actual premium depends on your plan and the financial help you qualify for.
Enhanced federal premium tax credits were not renewed, so many people are paying more — which makes comparing your options more important than ever.
New for 2027: Virginia is adding state-funded premium help for households earning roughly 138% to 250% of the federal poverty level, on top of federal tax credits. I'll check whether you qualify.
ACA or Private: Two Paths for Virginians
ACA plans accept everyone, with no health questions, and can't turn you down or charge more because of a pre-existing condition. Private plans are offered outside the marketplace and ask health questions, so eligibility depends on your answers — but for healthy people, private plans may cost less, and many are available year-round. I'll compare both for you, and if a private plan isn't the right fit, an ACA plan is always an option.
Need Coverage Outside Open Enrollment?
If you have a qualifying life event — like losing other coverage, moving, getting married, or having a baby — you can enroll in an ACA plan during a Special Enrollment Period. In Virginia, pregnancy also counts as a qualifying event. Virginia has expanded Medicaid, and Medicaid and FAMIS (for children) accept applications year-round. And depending on eligibility, private plans are often available any time of year.
How I Help Virginians — Always Free
I'll learn about your household, your budget, and the doctors you want to keep, then walk you through the ACA and private options available in your ZIP code in plain English. I'll check your doctors and prescriptions, help you apply for any financial help you qualify for, and handle enrollment from start to finish. My help is free — plan prices are the same with or without a broker.
Virginia Health Insurance FAQ
When is Open Enrollment in Virginia for 2027?
November 1, 2026, through January 29, 2027, through Virginia's Insurance Marketplace. Choose a plan by December 15 for coverage starting January 1.
Do Virginia residents use HealthCare.gov?
No. Virginia runs its own marketplace, Virginia's Insurance Marketplace, for ACA plans and financial help.
My Cigna marketplace plan is ending. What should I do?
Keep your coverage through the end of 2026, then choose a new plan during Open Enrollment. I can help you compare replacements.
Do we need to meet in person?
No. All consultations are online by phone or video, anywhere in Virginia.
Is your help free?
Yes. Brokers are paid by the insurance carriers, so your price is the same.
Reviewed by Heath Heimlich, licensed health insurance advisor (NPN 8799018). Sources: Virginia's Insurance Marketplace; healthinsurance.org. October 2026.