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Virginia Health Insurance

Save up to 60% on Dental Care - Click to Find your Plan
Affordable Health Insurance by The Insurance Advisor (804) 308-9424

Important.  The Virginia Health Insurance Marketplace Open Enrollment for 2016 ended January31, 2016. You can still buy a Marketplace health plan only if you qualify for a special enrollment period. You can apply for Medicaid and CHIP any time. Find out if you qualify for a Special Enrollment Period or Medicaid and CHIP.  Open Enrollment for 2017 coverage starts November 1, 2016.

The Insurance Advisor agents combine years of experience and top-rated companies and products to provide exceptional service and value to our clients. Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the Virginia Health Insurance and services you need.

The New Virginia Health Insurance Market Place:  Confusing???

DO NOT WORRY!  The Insurance Advisor is a full service Independent Insurance Agency that represents many top-rated Virginia Health Insurance companies. We assess risks and shop companies to find the best Virginia health insurance coverage for the price. Our clients get the best value for the Virginia Health Insurance they need.

And if you would like to better understand some of the terms used in the Virginia Health Insurance information, go to this Health Insurance Glossary. Also, please feel free to contact us with any questions.

Seniors may get Medicare Supplement Quotes and Coverage information from Medicare Supplement Quotes.

If you plan to travel outside of the United States, you will likely need an International Health Plan. Most US Health Insurance Policies either limit or provide no coverage outside of the United States. Do not risk needing medical care while traveling outside the United States–get an IMG Medical Policy.

Travel Medical Insurance - International Medical Group


Here is a re-post of a Guide to the Health Insurance Marketplace published by the US Government.

 Get Covered: A one-page guide to the Health Insurance Marketplace


Open Enrollment is over. But you can still get 2016 health insurance 2 ways:

If you haven’t applied for insurance on before, here’s what you need to know about the Health Insurance Marketplace (sometimes known as the health insurance “exchange” or “Obamacare exchange”).

1. The Health Insurance Marketplace is for people who don’t have health coverage

If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source that provides qualifying coverage, the Marketplace can help you get covered.

2. What you pay for insurance depends on your income – and you’ll probably save

Your savings depend on your estimate of your expected income for 2016, not your income for 2015. This year, about 8 in 10 of the uninsured who are eligible for Marketplace coverage qualify for financial assistance to lower the cost of their monthly premiums. Get a quick idea if your expected income is in the range to save.

Based on the income estimate you put on your application, we’ll tell you if you qualify for one of these:

A health insurance plan with savings

Most people who apply qualify for a premium tax credit that lowers their monthly insurance bill. Some also save on out-of-pocket costs like deductibles and copayments.

The plans are offered by private insurance companies with a range of prices and features. All plans cover:

You can add dental to a health plan, but you don’t have to. You can’t buy a dental plan unless you enroll in a health plan.

Medicaid and the Children’s Health Insurance Program (CHIP)

Medicaid and CHIP provide free or low-cost coverage to millions of people and families with limited income, disabilities, and some other situations.

3. You can apply for coverage 4 ways

You can apply for health insurance any way that works for you:

4. If you don’t have health insurance, you may have to pay a fee

Most people must have qualifying health coverage or pay a fee with their 2016 federal taxes.

  • If you don’t have coverage in 2016, you’ll pay a penalty of either 2.5% of your income, or $695 per adult ($347.50 per child) — whichever is higher. Learn about the fee.
  • In some cases, you might qualify for an exemption from the requirement to have health insurance.

Personal Insurance Coverage for Different Needs

On the right sidebar of this page, you will find links to a number of personal insurance resources. Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages. Please call one of our insurance agents at The Insurance Advisor for any assistance.

Call, request a quote by email, or visit us at our office today for a free, no obligation Virginia Health Insurance quote. Let us do the research and find the best value for the Virginia health insurance coverage you need.

The Best Value and Customer Service 

The Insurance Advisor agents combine years of experience and top-rated companies and products to provide exceptional service and value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the Virginia insurance and services you need.

Call or visit our office today for a free, no obligation risk assessment and quote.

 Let us do the research and find the best value for the Virginia insurance you need.


Press Release: The Insurance Advisor is the 2013, 2014, 2015, and now the 2016  Best of Richmond Award recipient for the Insurance Company category.


2016 Best of Richmond AwardThe Insurance Advisor, LLC is the “2016 Best of Richmond Award” recipient for the Virginia Insurance Company category. This makes the fourth year in a row we have received this award (2013, 2014,  2015, &  2016)!  Thanks to our clients, carriers, service providers, Smart Choice, and associates!!

The Richmond Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.  Various sources of information were gathered and analyzed to choose the winners in each category. The 2016 Richmond Award Program focuses on quality, not quantity. Winners are determined based on the information gathered both internally by the Richmond Award Program and data provided by third parties.

Each year, the Richmond Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the area a great place to live, work and play.


Roger has been an Insurance and Financial Services Professional since 1997. He earned a BA in Economics, a Masters and EdS graduate degrees from The College of William and Mary. Roger is the founder of The Insurance Advisor, LLC and MyBiz OnLine Services, LLC an online marketing and advertising agency, both located in Richmond, Virginia. He also serves as a Virginia Territory Manager for Smart Choice Agents.
Smart Choice is a network of over 6,300 independent agencies and more than 80 carriers. Collectively our agency partners represent more than $5 billion in written premium. We provide independent insurance agents with access to top-rated markets, product training, and sales and marketing support-and we're the only no-fee program of our kind.

The Insurance Advisor is a full service independent insurance agency representing over 3 dozen carriers.

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