Compare your Virginia coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
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Virginia residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in Virginia is the first step toward a plan that fits.
Virginia runs its own state-based marketplace, Virginia's Insurance Marketplace, where residents compare and enroll in individual and family plans. Private carrier options are also available.
Virginia has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost.
Open enrollment generally runs November 1 through January 15, and Virginia's state-based marketplace sometimes extends this window. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving Virginia residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
After Virginia's Marketplace premiums jumped an average of 75% in 2026, the state stepped in. Beginning with 2027 coverage, a new $150 million state fund will help eligible shoppers pay less each month on top of any federal premium tax credit they already receive. Here's what's confirmed by the state so far.
In 2026, Virginia created the Virginia Health Insurance Affordability Fund: a $150 million state-funded subsidy administered by the Virginia Health Benefit Exchange, a state agency under the State Corporation Commission (not affiliated with any private insurance agency or advisor). It's available to eligible shoppers on Virginia's Insurance Marketplace starting with Plan Year 2027 coverage, and is intended to work alongside any federal premium tax credit a household already receives — though the state has not published the exact calculation method. (Source: Virginia State Corporation Commission, official press release, July 6, 2026.)
The fund targets households with incomes between 138% and 250% of the federal poverty level — roughly $22,000 to $40,000 a year for a single person, with the dollar threshold rising for larger households — who enroll through Virginia's Insurance Marketplace. This is the population that has been hardest hit by 2026's coverage losses: people who earn too much for Medicaid but have struggled to afford private Marketplace premiums. (Sources: Virginia SCC press release, July 6, 2026; WHRO, July 7, 2026.)
Virginia Health Benefit Exchange officials say qualifying enrollees could save as much as 70% on their monthly premium, applied automatically during the regular enrollment process with no separate application needed. Actual savings depend on income, household size, and the plan selected, and are not guaranteed to be the same for every enrollee. (Sources: Virginia SCC press release, July 6, 2026; WHRO, July 7, 2026, quoting Exchange executive director Keven Patchett.)
The fund responds to a rough 2026 for Virginia's Marketplace: what consumers actually paid for premiums rose an average of 75%, driven by a combination of a 22% rate increase from insurance carriers and the expiration of enhanced federal premium tax credits. Roughly 100,000 Virginians lost coverage this year, and Marketplace enrollment fell about 20% compared to the year before. (Source: Virginia State Corporation Commission, official press release, July 6, 2026.)
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Learn MoreVirginia's Health Insurance Affordability Fund targets households between roughly 138% and 250% of the federal poverty level who enroll through Virginia's Insurance Marketplace, starting with 2027 coverage. The state says it applies automatically during enrollment, with no separate application, but the exact math depends on your income, household size, and plan. We check your numbers against both the state fund and any federal premium tax credit so you are not leaving money on the table.
Virginia runs its own state-based marketplace, Virginia's Insurance Marketplace, where residents compare and enroll in individual and family plans. Private carrier options are also available. We help you compare both marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.
Many residents qualify for income-based premium tax credits that lower monthly costs. Virginia has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost. We check whether you qualify and help you set an accurate income estimate.
Open enrollment generally runs November 1 through January 15, and Virginia's state-based marketplace sometimes extends this window. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with Virginia individuals, families, self-employed professionals, and small business owners across Virginia Beach, Richmond, Norfolk, Chesapeake, and Arlington and statewide, matching each situation to the right coverage.
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