Individual & Family Health Insurance in Virginia Beach, VA
Whether you're self-employed, freelancing, working as a 1099 contractor, retiring early, or navigating a career change, we'll help you find health insurance that fits your needs, your budget, and your life.
Health Insurance for Wherever Life Has You Right Now
When you don't have an employer providing health insurance, finding the right coverage can feel like a full-time job. Whether you're running your own business, freelancing, earning 1099 income, or retiring before Medicare eligibility, you're suddenly responsible for decisions that someone else may have handled for years.
And there's more to consider than just the monthly premium. Will your preferred doctors be in-network? What will you pay when you actually need care? Could you qualify for financial assistance? And what happens if your income or circumstances change?
Individual health insurance includes ACA-compliant plans available through Virginia's Insurance Marketplace or directly from insurers, as well as certain other coverage products with different benefits and limitations. Depending on your income and circumstances, you may qualify for financial assistance through the Marketplace.
You don't need to know which type of plan is right for you before you call. We'll help you compare available options, understand the trade-offs, and make a decision that makes sense for your healthcare needs and budget.
As an independent insurance brokerage based in Virginia Beach, Full Circle helps individuals and families throughout Norfolk, Chesapeake, and the greater Hampton Roads area navigate their health insurance options with clear explanations and personal guidance.
How Individual Health Insurance Works with Full Circle
Whether you're shopping during Open Enrollment, leaving an employer-sponsored plan, or looking for coverage after a qualifying life event, we'll help you understand your options and make an informed decision. Our process is straightforward, personal, and designed to save you time.
Step 1: Evaluate Your Needs
We start with a conversation about your situation, healthcare needs, and budget. We'll discuss your current coverage, preferred doctors, prescriptions, and any upcoming changes, such as starting a business, leaving a job, or retiring early.
We'll also look at your household income and circumstances to help determine whether you may qualify for Marketplace financial assistance. If your income varies because you're self-employed or work on a contract basis, we'll talk through how that may affect your coverage decisions.
Step 2: Compare Your Options
Next, we'll compare available health insurance plans and explain how they differ in coverage, monthly premiums, deductibles, provider networks, and potential out-of-pocket costs.
We'll help you understand the trade-offs so you can look beyond the advertised price and consider what each option could mean for your healthcare and finances. Depending on your needs, this may take one conversation or a follow-up meeting. We'll take the time needed to help you feel informed and comfortable with your choices.
Step 3: Choose Your Coverage and Enroll
Once you've decided which plan makes sense for you, we'll guide you through the applicable enrollment process and help you understand what happens next, including when your coverage is expected to begin.
If you're enrolling after a qualifying life event, such as losing employer-sponsored insurance, we'll also help you understand the relevant enrollment deadlines and documentation requirements. Our goal is to make the transition as straightforward as possible, without leaving you to figure out the details alone.
Step 4: Renew Your Coverage – and Call Us When Life Changes
Your health insurance needs don't necessarily stay the same from one year to the next. Your income may change, your business may grow, your family circumstances may shift, or your current plan may no longer be the best fit.
We'll help you review your coverage during annual Open Enrollment and evaluate your options for the coming year. And you don't have to wait until renewal to reach out. If your circumstances change or you have questions about your coverage, we're here to help you understand your next steps.
What Does it Cost to Work With Full Circle?
There is no additional cost to you for our help.
Full Circle Insurance Solutions is compensated by insurance companies when clients enroll in plans we represent. You don't pay us a separate consultation fee to explain your options, compare available coverage, or help you navigate the enrollment process.
And there's no obligation to enroll just because we've had a conversation.
We'll help you look beyond the monthly premium to understand deductibles, copayments, provider networks, and potential out-of-pocket expenses. If you're self-employed or have variable income, we'll also help you explore whether you may qualify for financial assistance through Virginia's Insurance Marketplace.
Our goal isn't to sell you more coverage than you need. It's to help you find the right balance between the coverage you can count on and costs you can afford.
You can have someone in your corner helping you make sense of the decision — without paying an additional fee for that guidance.
We're Here After You're Enrolled, Too
Choosing a health insurance plan is just the beginning. Once your coverage is in place, questions can still come up, circumstances can change, and insurance paperwork doesn't always make things easy to understand.
Maybe you've received a medical bill you weren't expecting, you're confused about a claim, or you need help understanding your benefits. Maybe your freelance income has changed, you've started a new business, or you're preparing to retire early. Whatever the situation, you don't have to figure out your next steps alone.
At Full Circle, we're here to help you understand your coverage, navigate questions with your insurance carrier, and determine when a change in your circumstances might affect your coverage or eligibility for financial assistance.
We'll also help you review your options during annual Open Enrollment, so you can make an informed decision about whether your current plan still fits your needs and budget.
Because having health insurance is important. Having someone you trust to help you make sense of it is even better.
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.
Common Questions about Individual Health Insurance
How do I get health insurance if I'm self-employed, freelancing, or working as a 1099 contractor?
When you work for yourself, you generally don't have an employer choosing your health insurance or contributing toward your premiums. But that doesn't mean you're on your own.
Self-employed individuals, freelancers, independent contractors, and gig workers can explore individual health insurance plans through Virginia's Insurance Marketplace or directly from insurance companies. Depending on your household income and eligibility, you may also qualify for financial assistance through the Marketplace.
We'll help you understand your options, compare available plans, and find coverage that makes sense for your healthcare needs and budget — so you can get back to focusing on your work.
Can I qualify for health insurance savings if my self-employment income changes throughout the year?
Possibly. Financial assistance through Virginia's Insurance Marketplace is generally based on your projected annual household income and other eligibility factors, not simply whether you receive a W-2 or a 1099.
If you're self-employed, estimating your income can be tricky. You might have a busy season, a slow quarter, or an unexpectedly successful year. And if your income changes after you enroll, it's important to update your Marketplace application because it may affect the financial assistance you're eligible to receive.
We'll help you understand what information you'll need, how income factors into your options, and what to consider as your earnings change.
What should I look at besides the monthly premium when comparing health insurance plans?
A lower monthly premium doesn't always mean lower overall healthcare costs. You'll also want to consider deductibles, copayments, coinsurance, out-of-pocket limits, and whether your preferred doctors, hospitals, and prescription medications are covered.
Think about how you actually use healthcare. Do you see specialists regularly? Take prescription medications? Travel frequently? Or are you generally healthy but want protection against an unexpected medical expense?
We'll help you compare the plans we represent and understand the trade-offs, so you can choose coverage based on your needs and budget rather than the premium alone.
What are my health insurance options if I retire before I'm eligible for Medicare?
If you're retiring before age 65, you'll generally need another source of health insurance until you're eligible for Medicare, unless you qualify for Medicare earlier.
Depending on your circumstances, options may include coverage through Virginia's Insurance Marketplace, an individual plan purchased directly from an insurer, coverage through a spouse's employer, or temporary continuation of your previous employer's plan through COBRA.
The right choice depends on more than your age. Your household income, preferred doctors, healthcare needs, travel plans, and budget all matter. We'll help you evaluate your options so you can enjoy your next chapter with a clearer understanding of your coverage.
When can I enroll in individual health insurance in Virginia?
Virginia's Insurance Marketplace has an annual Open Enrollment Period when eligible individuals can sign up for coverage or change plans. For 2027 coverage, Open Enrollment runs from November 1, 2026, through January 29, 2027.
Outside that period, you generally need to qualify for a Special Enrollment Period because of a life event, such as losing employer-sponsored coverage, getting married, having a baby, or certain moves.
If you're unsure whether you can enroll now, we'll help you review your circumstances, understand applicable deadlines, and determine your next steps.
I'm leaving my job. Should I choose COBRA or an individual health insurance plan?
If you're leaving a job that provided health insurance, you may have more than one way to stay covered.
COBRA may allow you to temporarily keep your employer's health plan, often with the same provider network and benefits. However, you may be responsible for the full premium plus an administrative fee.
An individual plan through Virginia's Insurance Marketplace may offer a different combination of premiums, deductibles, provider networks, and benefits. You may also qualify for financial assistance, depending on your circumstances.
We'll help you compare the options and consider enrollment deadlines before you make a decision, so you can avoid an unnecessary gap in coverage.
Can I get health insurance for just myself if I own a small business?
Yes. If you're a sole proprietor, independent contractor, or business owner without employees, individual health insurance may be the appropriate starting point.
You don't necessarily need a group health insurance plan simply because you own a business. And if your business grows and you eventually want to offer benefits to employees, we can help you explore those options, too.
We'll start by understanding your current situation and help you find coverage that fits where your business is today, with the flexibility to revisit your needs as it grows.
Can I change my health insurance if my income, work, or family situation changes?
Life doesn't always follow the calendar, and neither does self-employment.
If your income changes, you start or close a business, get married, welcome a child, or experience another major life change, your health insurance needs or eligibility for financial assistance may change, too.
Some qualifying events allow you to enroll in or change coverage outside Open Enrollment, while others may require updating your existing Marketplace application without creating a new opportunity to switch plans.
We'll help you understand which changes need to be reported, whether you may qualify for a Special Enrollment Period, and what options are available to you.
Let's Find Health Insurance That Works For You
Whether you're working for yourself, leaving employer-sponsored coverage, retiring early, or simply looking for better options, you don't have to navigate health insurance alone.
Tell us a little about your situation using the form below. We'll be in touch to discuss your needs, answer your questions, and help you understand your next steps.
No pressure. No obligation. Just straightforward, personal guidance from someone who's in your corner.
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