Health Insurance Help for Individuals & Families
(Under 65)
Not on Medicare yet? We help individuals and families across Midlothian, Richmond, and Central Virginia find health coverage that fits. Whether you're between jobs, self-employed, or just need help understanding your options, we’re here to walk you through it — face-to-face.
Who We Help
- Individuals looking for ACA marketplace plans
- Families who don’t have employer coverage
- Self-employed or small business owners
- Early retirees not yet eligible for Medicare
Types of Plans Available
- ACA Marketplace Plans (with or without subsidies)
- Short-term coverage options
- Private individual & family plans We’ll help you compare coverage, costs, and networks so you know exactly what you’re signing up for.
When to Enroll
Open Enrollment typically runs from November through mid-January. But you may qualify for a Special Enrollment Period if you’ve lost coverage, moved, gotten married, or had another life change.
Why Work with Us
We’ll explain the fine print, help you estimate your subsidy if eligible, and walk you through enrollment step by step. We’ll also be here afterward if you ever need help using your plan.
Health Insurance (Under 65) FAQs
Can you help me sign up through Healthcare.gov?
Yes — we can guide you through the ACA marketplace and help estimate your premium tax credit.
What if I’m losing job-based insurance?
That counts as a qualifying event. We’ll help you find a plan through a Special Enrollment Period.
Is short-term health insurance a good option?
It depends. These plans cover fewer services but can work temporarily. We’ll help you compare.
What’s the difference between bronze, silver, and gold plans?
They all cover the same essential health benefits but differ in how costs are shared. We’ll break it down clearly.
Can I change my plan later?
Usually only during Open Enrollment or after a qualifying life event.
