Individual & Family Health Insurance in Virginia Beach, VA
Whether you're self-employed, between jobs, or navigating a life change — we'll help you find coverage that actually works.
If you don't have access to employer-sponsored health insurance, finding the right plan on your own can feel like a full-time job. The marketplace is crowded, the terminology is confusing, and searching online often leads to a flood of calls from out-of-state agents selling plans that don't hold up when you actually need them.
Individual health insurance in Virginia generally falls into two categories: ACA-compliant plans available through the Marketplace (also called the Exchange or Affordable Care Act plans), and commercial plans purchased off the Marketplace. The right fit depends on your income, health needs, household size, and life situation.
As independent brokers, we work across both — and we don't sell your information or pressure you into a decision. We help you understand your real options and enroll on your timeline.
Common Questions about Individual Health Insurance
Have you ever Googled “Health Insurance Plans Near Me" and input your contact information, expecting to be contacted by a knowledgeable local agent? How did that turn out for you?
When you submit your contact information on a generic health insurance search site, your details are typically sold to agents across the country — not matched with a local expert who knows your market. If this has happened to you, you’re getting contacted by agents across the country selling non-comprehensive health plans as you’ve been placed on a call list. These health plans will have underwriting components, and pre-existing limitations, and will not cover you year-round due to State regulations. These are not true, Affordable Care Act compliant health plans. That is where Full Circle comes into play. We will NOT solicit you – we will only help you understand your viable options and work off your timeline. Connect with us to determine which comprehensive health plan is right for you! You’ll find you won’t want to throw your phone out the window.
Obamacare...
Federal Marketplace...
The Exchange...
What do all of these terms mean?
The same thing! In 2014, the Affordable Care Act created a national Marketplace where eligible citizens/consumers shop for individual insurance coverage. Several states started their own Marketplace, with Virginia joining the list in 2024. Marketplace coverage is available to everyone, although we see consumers enroll who don’t have access to other coverage and their eligibility of a tax credit. This is a financial subsidy for consumers within a certain income threshold. There are other State and Federal Health Programs (Medicaid/Medicare) that may be a better fit. When working with the Full Circle team, we have an extensive knowledge base on all State and Federal programs available to consumers so we can guide you on if the Marketplace is the right fit.
I’ve heard there are certain times during the year when you can elect individual health insurance. I need help understanding this.
Individual health insurance enrollment is available during two windows: the annual Open Enrollment Period (November 1 – January 15) and Special Enrollment Periods triggered by qualifying life events such as losing coverage, getting married, or having a child. Common scenarios include loss of other creditable coverage, marriage, divorce, birth or adoption of a child, moving to a new service area, or aging out of an existing health plan. It is important to know there is a limited amount of time to make a new election (i.e. 60 days) so let Full Circle help you meet those deadlines!
My family circumstances have changed recently and I need to know how that will affect my access to health coverage.
Family/life changes or events typically trigger a Special Enrollment Period. A Special Enrollment event allows a currently insured or uninsured, an opportunity to enroll in a health insurance policy outside of the Annual Enrollment Period. Enrollment opportunities will vary by the type of circumstance as well as the time allotted to make an enrollment change. Most common life changes include marriage, divorce, birth or adoption of a child, moving to a new service area, loss of other creditable health coverage (employer-sponsored or Medicaid), or aging out of a parent’s health plan. Full Circle is here to help you identify your unique situation and guide you on your time frames and enrollment options.
I’m a business owner and need to secure coverage for myself as I’m not offered an employer-sponsored plan. What are my options and how do I determine what is the best fit for me?
As a self-employed business owner, you can typically choose between a commercial health plan — which may qualify for business tax deductions — or a Marketplace plan, where your income may qualify you for a financial subsidy. Our Full Circle experts are well-versed and certified in commercial and Marketplace coverage. Let us review your options to determine the best route for you!
I recently lost employer-sponsored coverage. I have been mailed Cobra paperwork and the premiums are very expensive – what are some other options to consider?
A loss of coverage is considered a qualifying event which would allow you to evaluate individual plans, either on or off the Marketplace. There are also short-term medical plans (Gap coverage) that may be a great alternative if you need coverage for a short amount of time, maybe to satisfy your new employer’s waiting period. Full Circle is experienced in locating the right coverage for these types of circumstances.
A.V.
Individual Client
I moved to Virginia Beach back in August 2020 from out of state and had so much on my plate that I neglected to help my daughter find suitable and affordable health insurance. We hopped online and it was a nightmare. I received a referral for Chelsea Jennings through my broker for HomeOwners insurance. I cannot say enough about Chelsea's attention to detail and her ability to explain everything and get us up and running in no time. She gave us one less thing to worry about. Since that time, I have reached out to her for renewals and she handles everything perfectly and explains it in terms we understand. I would highly recommend her for your insurance needs.
Contact us today to help you design and implement your ideal health plan
Call Us: 757-799-1248
Office Fax: 757-917-5676
Email: Contactus@FullCircleFin.com
Mailing Address:
582 Lynnhaven Parkway STE 100
Virginia Beach, VA 23452
Our office building is easily accessible
via the Lynnhaven Commons entrance on Viking Drive