VA Residents

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Please be sure to review the main Health Insurance page for more information. Residents of the State of Virginia are not required to use an Exchange to purchase their health insurance. The State of Virginia elected not to establish a State Health Benefit Exchange, therefore residents of states that elected not to establish a State Exchange default to HealthCare.gov which is the Federal Governments Health Benefit Exchange.  If you feel that your tax household income qualifies for a subsidy, you can only process a request for a Subsidy through the Exchange. Please review Tax Household income levels that may qualify for a subsidy listed in the chart on the main Health Insurance page. If your income does not qualify for a subsidy there is no need to enroll in a health plan by using the Exchange. If you are not seeking a Subsidy you may apply and enroll in coverage off exchange, which many people feel is an easier process and enrollment. The plans offered and pricing are the same ‘on’ or ‘off’ Exchange for those who do not qualify for a Subsidy. 

If you do not qualify for a Subsidy you may click here to visit our CareFirst BC/BS Private Exchange where you can view all the available plans, benefits, pricing and enroll in the plan of your choice. We are happy to work with you to answer your questions and concerns and make your enrollment as easy and smooth as possible so that you have the best plan for you and your family. With many carrier withdrawing from the individual markets CareFirst BC/BS continues to offer competitive plans in the DC Metro area. Please click here to view the CareFirst Provider directory.

For those residing outside of the CareFirst BC/BS Service Area, which would be all those west of Route 123 in Northern Virginia and the rest of the state please click here to see plans offered by Anthem BC/BS and other carriers in your area. 

Many of the people that we work with who purchase Individual Health insurance coverage are self-employed. Self-Employed individuals may be able to deduct a portion or all the premiums they pay for tax purposes. Therefore we will work with you to be sure you are getting every possible deduction and paying premiums as efficiently as possible. 

In addition so that you do not have to spend your valuable time on hold waiting for a ‘Call Center’ representative after your enrollment – we provide you with professional customer service and support by assisting you with claims issues, billing and administrative questions. Please contact our office today in order to get the information you need for you and your family to make the best decision for your health care in the next plan year.

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