I'm Julian Sanchez de la Rosa, an independent broker licensed in Virginia and 30 other states. Virginia is worth paying attention to this year: the state is putting real money behind premiums for the first time, starting with the 2027 plan year. If you looked at coverage last year and walked away, the number is probably different now.
Coverage here is tiered — an entry plan, a middle plan and a top plan, all on a national PPO network. The low end below is the entry plan with nothing added; the high end is the top plan with dental, vision and a critical-illness rider. The private product prices the same across Virginia, Georgia, Arkansas, Wisconsin and Kentucky, so those pages show identical tables — that's genuinely how it's priced, not a shortcut.
| Household | Low end | High end |
|---|---|---|
| Single adult, 30 | $130 | $710 |
| Single adult, 40 | $195 | $820 |
| Single adult, 50 | $275 | $1,045 |
| Single adult, 60 | $495 | $1,420 |
| Couple, 40 and 38 | $400 | $1,220 |
| Family of four, parents 40 | $630 | $1,680 |
Estimates, not quotes. Your actual premium depends on the plan you choose and the carrier's underwriting. Want a figure for your own household? Run the estimator.
Subsidized ACA plans are on Virginia's Insurance Marketplace, not healthcare.gov. Virginia moved off the federal platform in fall 2023, so a fair amount of advice still floating around online points people to the wrong website. For 2026, 370,086 Virginians enrolled.
The state allocated $150 million to lower premiums for enrollees between 138% and 250% of the federal poverty level, expected to reach roughly 200,000 people. It becomes available November 1, 2026, when open enrollment starts. This is new enough that most people in Virginia haven't heard of it — if federal subsidy changes priced you out last year, this is the specific reason to look again rather than assume nothing changed.
Full-price premiums rose about 21.6% on average across eight carriers, though the spread was wide — some carriers came in around 3%, others above 35%. When the range is that wide, the plan you had last year is unlikely to still be the right plan. That's a year to actually compare rather than auto-renew.
So there's no coverage gap here — if your income is low, there's a real program underneath you rather than nothing. That makes Virginia one of the more straightforward states to sort out: between Medicaid, the new state premium help and federal subsidies, most people have something. The work is figuring out which one you land in, and that depends on income, household size and where you are in the year.
Open enrollment for 2027 coverage opens November 1, 2026. The closing date is unsettled this year — a federal court struck down the rule that would have shortened the window, and the appeal is being argued in late October 2026. The date that hasn't moved is December 15: enroll by then if you want coverage that starts January 1. For the confirmed final deadline, check Virginia's Insurance Marketplace directly rather than trusting a date you read anywhere — including here.
Either way, the question I help people answer is the same one: does a subsidized marketplace plan beat what you can buy privately? That depends on your income, your household, and which doctors you want to keep. It takes one conversation to work out, and I'll tell you if the answer is "go to the exchange, you don't need me."
Self-employed people, 1099 contractors, families, and small business owners — and Northern Virginia has one of the densest concentrations of federal contractors and independent consultants anywhere, people who are W-2 one year and 1099 the next.
30 seconds. I reach out. You decide — no pressure, no obligation.
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Most of my clients don't have an HR department. They're buying coverage on their own — and the market is confusing if this isn't your full-time job. So I lay the plans out side by side in plain English: what each one actually covers, what it costs you when you use it, and where the real differences are. No jargon, no fine print buried at the bottom — just a clear comparison so you can see the trade-offs yourself and make the call with confidence.
1099, freelance, or your own LLC. You need real coverage without an employer footing the bill — and premiums may be tax-deductible.
Spouse, kids, or both. We'll look at what it actually costs to keep your pediatrician and your budget intact.
Laid off, quitting, aging off a parent's plan, or staring down a COBRA bill. Losing coverage opens a special enrollment window.
A handful of employees and no idea where to start. There are more options than you think, and some don't require a group plan.
I'm an independent broker. I shop the market, bring you what's actually available, and show you the trade-offs honestly — including when the answer is "stay where you are."
As an independent broker, I compare plans from different insurance companies side by side and walk you through how they actually differ.
Open Enrollment has a deadline, but life events — losing coverage, moving, marriage, a new baby — open a special enrollment window. Some private options are available year-round.
Self-employed people can often deduct health insurance premiums. I'll flag when it applies so you can raise it with your accountant.
The enrollment is the easy part. I'm still here when a claim gets denied, a card doesn't arrive, or your income changes mid-year.
Prefer to skip the form? Book a time on my calendar