Get the best health insurance rates for individuals in Virginia from top-rated companies and easily and quickly enroll online for Exchange benefits. Family and small business Marketplace medical plan rates are also available so you can easily view options and prices and apply for coverage with or without a federal subsidy. We understand that each person has different priorities and and you may need coverage for many years, or perhaps just a few months.
NOTE: 2015 Open Enrollment begins on November 15th (2014) and continues through February 15th (2015). During this time, subsidized policies are offered with and current or pre-existing conditions immediately covered on your effective date. The application process now takes only 10-20 minutes.
With our assistance, you'll be able to quickly enroll for low cost plans from the most recognized companies. Policies are available on and off the Marketplace. If you qualify for the federal Obamacare subsidy, your premium could drastically reduce, potentially saving you thousands of dollars. We will calculate the amount you are eligible for, and explain which policies will maximize your personal benefits.
Virginia Health Insurance Companies
When you are looking at different policies, it's important to consider only qualified "real" insurance plans. These will typically be carriers you recognize, such as Humana, Anthem Blue Cross, Aetna, UnitedHealthOne, Kaiser Permanente, CareFirst, Coventry and Optima. These companies will stand behind their policy coverage and process claims very quickly and efficiently. We'll help you choose the most affordable health insurance plans in Va that offer the best benefits for the lowest cost.
Only basic information is needed to provide your current rates. Typically, your zip code, date of birth and possibly your county of residence are the main pieces of information needed. Although there are not necessarily large premium differences from one zip code to another, it can make a difference. For example, rates in Richmond will be different than Blacksburg. And your age could also impact the premium an insurer charges.
For short-term plans outside of the Marketplace, a high BMI will probably increase the price you pay. A normal BMI, coupled with no existing conditions, may qualify you for a "preferred" rating. During Open Enrollment, Exchange coverage requires no medical questions to be asked. If you miss the OE period, or simply forget to enroll, there are several affordable policies that can be used until the next OE period.
Purchasing Coverage Through The Exchange
With the creation of the Virginia Health Exchange back in 2013, underwriting guidelines changed. Since medical questions are no longer asked, all applicants (including children) qualify for a policy (assuming you meet citizenship requirements). The variable is the size of your tax subsidy, which is based on your projected earnings for next year and how it relates to the Federal Poverty Level.
We can quickly and accurately calculate that amount for you. Bronze and Silver Marketplace options are the cheapest available medical plans. Platinum and Gold policies are the most costly since out-of-pocket expenses and deductibles are the lowest.
Va Family rates are typically higher than single or individual rates. An older age and/or nicotine use will also result in higher premiums. Reaching age 65 generally creates an immediate Medicare-eligibility. When that occurs, there is always an Open Enrollment window that allows you to qualify for Medicare Supplement coverage regardless of your existing medical conditions.
Researching rates and coverage from different carriers is sometimes not easy. If you have ever tried to compare televisions in a retail store (or online), you know what we mean. We'll help you understand why certain policies will provide maximum coverage at the most affordable cost. By customizing a policy for you, you'll be less likely to pay for items you will rarely (or never) use.
Maternity And Delivery Coverage
For example, Maternity benefits are extremely expensive. If you're fairly certain you will be utilizing this portion of your policy in the next few years, then a "Silver" or "Gold" plan may be your best choice because of lower available deductibles. However, your maximum "out-of-pocket expenses" must also be taken into consideration, since you are likely to meet the maximum amount if your delivery occurs.
But what if you have no need for any type of maternity benefits? Or there may be other specific policy options you don't need? We can focus and research on the plans that don't charge you for unneeded policy provisions. That's one of the ways you'll save money by using the free quotes our website provides. And as companies change their benefits and exclusions, we'll keep you updated so your policy is always current.
Viewing and comparing your Virginia health care options is just one of the many free services we provide. We're confident you'll be matched with the carrier that gives you the most benefits for the least cost. And as plans, rates or laws change, we'll keep you up to date on the impact it has on you and how you can make the right adjustments to your policies.
Update June 6 2014 -- A new private Marketplace for small business owners is being established by the Va Chamber of Commerce, who is partnering with ChamberSolutions. A "defined contribution" concept will be utilized, which will allow employees to select benefits from multiple options.
The "Virgina Benefits Market" will make available multiple types of policies, including high-deductible, comprehensive, and PPO/HMO contracts. Our website, along with licensed brokers, will provide details, prices, and information regarding setting up and implementing coverage.