Health Insurance in Virginia

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Virginia Health Insurance

Virginia Health Insurance Broker Services

At Apollo Health Insurance, we understand that finding the right medical coverage shouldn’t add stress to your life. That’s why we’re here to navigate the complexities of Virginia’s health insurance market alongside you, ensuring you and your family receive the comprehensive healthcare you deserve.

Our team of experienced industry experts brings a wealth of knowledge and personalized guidance to the table. We’ll help you understand your coverage options, and ultimately find the perfect solution to fit your unique needs and budget.

Quick Facts About Health Insurance in Virginia

Health Insurance in Alabama
Virginia uses the federal Marketplace as its ACA Exchange.
Health Insurance in Alabama
Open Enrollment for On-Exchange plans will be from November 1 – December 15.  
Health Insurance in Alabama
Off-Exchange plans offer year-round enrollment. 
Health Insurance in Alabama
Apollo Health Insurance can help broker plans from 14 different carriers. 
Individual health insurance Virginia

Private Health Insurance in Virginia

Individual / Private health insurance plans provide individuals and families with the flexibility to choose a plan that best fits their specific needs, budget, and preferred network of healthcare providers.

These plans are typically available to self-employed individuals, those who don’t have access to employer-sponsored coverage, or individuals who prefer to have their own independent coverage.

Types of Private Health Insurance Plans in Virginia

  • Affordable Care Act (ACA), also known as “Obamacare,” requires all health insurance plans to provide Minimum Essential Coverage. The ACA also offers subsidies to eligible families with a household income below 300% of the Federal Poverty Level. It is the current law governing health insurance in the United States.
  • Short-Term Plans provide temporary coverage for a few months (duration varies by state). While offering less comprehensive coverage than long-term plans, they act as a safety net for those without insurance or ineligible for special enrollment periods due to qualifying life events. Virginia legislature allows consumers to buy short-term plans with initial durations up to three months.
  • Health Sharing Plans, which are typically non-profit and often affiliated with religious organizations, provide healthcare benefits that differ from Minimum Essential Coverage (MEC) and may impose waiting periods for pre-existing conditions. It’s important to note that Health Sharing Plans are not legally classified as insurance.


Private Health Insurance Networks in Virginia

  • HMO (Health Maintenance Organization): HMO plans require you to choose a primary care doctor who coordinates your care. HMO plans typically have lower premiums than other types of plans.
  • PPO (Preferred Provider Organization): PPO plans allow you to see any doctor in the plan’s network, but you will pay more to see a doctor outside of the network. PPO plans typically have higher premiums than HMO plans.
  • POS (Point of Service Plans): POS plans are a hybrid of HMO and PPO plans. You can choose a primary care doctor, but you can also see a doctor outside of the network for a higher copay. POS plans typically have premiums in between HMO and PPO plans.
  • EPO (Exclusive Provider Organizations): EPO plans also offer a network of doctors and specialists, but coverage for out-of-network providers may vary based on your plan. While some EPOs may require a primary care physician, others may not. Unlike HMOs, EPOs generally do not mandate referrals for specialist visits.


Group Health Insurance in Virginia

Group health insurance is a form of insurance that provides coverage to a specific group of individuals, typically the employees of a company.

The cost of the insurance is divided between the company and its employees, with the company contributing a portion of the premium while the employees pay the remaining amount.

Unlike individual plans, where premiums can be determined based on the health of each individual, group plans must offer the same coverage to the entire group.

As a result, premiums for group plans are calculated based on the overall average health of the entire group, rather than individual health factors.

Group Health insurance in Virginia

When to Enroll in Virginia Health Insurance

Enrolling in health insurance in Virginia is only restricted for On-Exchange/ACA insurance plans. For these plans, most people can only enroll during the Open Enrollment period. Open Enrollment for the federal ACA Marketplace is from November 1, 2024 – December 15, 2024. To enroll outside of Open Enrollment, you will need a qualifying life event. 

With some exceptions, there are no restrictions on enrolling in Off-Exchange plans. Typically, plans that are not found on the federal Marketplace allow enrollment year-round.

Virginia Health Insurance

Top Health Insurance Companies in Virginia

Top health insurance companies in Virginia

United Healthcare

  • United Healthcare is a large health insurance provider in the US.
  • They offer a variety of healthcare plans in Virginia.
  • United Healthcare has a network of healthcare providers, such as physicians and clinics.
  • They partner with leading hospitals and healthcare systems to ensure members receive quality care.
  • Coverage is comprehensive and service is exceptional, whether it’s a routine checkup or complex medical procedure.
Blue cross blue shield Virginia

Blue Cross Blue Shield

  • BCBS is the biggest provider of healthcare services in Virginia
  • The company offers plans through HMO and PPO networks
  • Both HMO and PPO networks provide access to a large network of physicians and hospitals in the state
  • BCBS also offers vision and dental coverage as part of its package
  • BCBS is an ideal choice for those who need comprehensive coverage
Aetna Virginia


  • Aetna is a prominent health insurance provider in Virginia.
  • Aetna offers a variety of health insurance plans in Virginia, including HMO, PPO, and POS plans.
  • It has a large network of doctors and hospitals in Virginia, and it is committed to providing quality care to its customers.
  • Aetna is also a leader in innovation, and it offers a variety of online and mobile tools that make it easy for members to manage their health care.
Apollo Insurance Group - Agents

How to Enroll in Virginia Health Insurance

To enroll in a health insurance plan in Virginia, contact us now. We will work with you to find the best plan for your budget and needs. 

Health insurance in the United States is a complicated beast, and Virginia is no exception. Let one of our experts at Apollo Health Insurance guide you.

Contact Us

Contact Us To Get Affordable Health Coverage For Your Needs At No Extra Cost!

Call 816-400-4477  

Individual Health Insurance
Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it’s a challenge to navigate and find the right plan for your budget and needs.

That’s where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There’s no extra cost to you and you’ll have an insurance person to always turn to.

Learn More About Individual Health Services

Group Health Insurance
Do you want to provide an affordable insurance option for your employees?

Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.

Learn More About Group Health Insurance

Life Insurance
Let’s be honest, we often don’t think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.

Learn More Life Insurance Services

Dental Insurance
A good smile can be worth a million dollars.

Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.

Learn More Dental Insurance Services

Vision Insurance
Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.

Learn More Vision Insurance Services

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