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.
Health Insurance for Wherever Life Has You Right Now
If you don't have access to employer-sponsored health insurance, finding the right coverage can feel like a full-time job. Whether you're self-employed, between jobs, retiring before Medicare, or navigating another life change, Full Circle can help you understand your options and find coverage that fits your needs and budget.
Individual health insurance generally falls into two categories: ACA-compliant plans available through the Health Insurance Marketplace and private plans purchased outside the Marketplace. Depending on your income and circumstances, you may also qualify for financial assistance that can lower the cost of your coverage.
You don't need to know which type of plan is right for you before you call. We'll help you compare your options, understand the tradeoffs, and make a decision that makes sense for you and your family.
How Individual Health Insurance Works with Full Circle
Whether you're shopping during annual Open Enrollment, or need coverage because of a qualifying life event, we'll help you understand what's available and find coverage that fits your healthcare needs and financial situation.
Step 1: Evaluate Your Needs
We start with an in-person or virtual consultation to understand your situation, who needs coverage, and what you need your health plan to do for you.
We'll look at the level of coverage that makes sense for you and your family, along with your financial situation and whether you may qualify for a subsidy that can help reduce the cost of coverage.
Step 2: Compare Your Options
Next, we'll compare the available plans based on both coverage and cost and walk you through how the options differ.
Depending on your situation and how much information we're able to gather before your consultation, this may be a one- or two-meeting process. The goal is the same: give you enough information to make a decision you understand and feel comfortable with.
Step 3: Choose Your Coverage and Enroll
Once you've decided which plan makes sense for you, we'll help you complete the enrollment process and put your new coverage in place.
If you're enrolling because of a qualifying life event, we'll also work within the applicable enrollment timeline so you understand what needs to happen and when.
Step 4: Renew Your Coverage – and Call Us When Life Changes
Individual health plans operate on a calendar-year cycle, so we'll work with you during the annual enrollment and renewal period to review your coverage for the coming year.
But you don't have to wait until renewal to call us. If you experience a qualifying life event, have questions about your coverage, or need help with a service-related issue during the year, Full Circle is here to help.
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 the insurance carriers. That compensation is built into the cost of the coverage whether you work with an insurance professional or navigate the process on your own.
Working with Full Circle means you don't have to sort through the options by yourself. We'll help you evaluate coverage and costs, determine whether you may qualify for financial assistance, compare your options, and complete your enrollment—without adding a separate fee to your health insurance.
And 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 need and what you can afford.
It doesn't cost you more to have someone helping you make sense of the decision.
We're Here After You're Enrolled, Too
Health insurance questions don't only happen during Open Enrollment.
If your circumstances change during the year, we'll help you understand how a qualifying life event may affect your coverage and what options are available. We're also here for service and eligibility questions and other issues that come up while your coverage is in place.
And if you're dealing with a claim that doesn't look right or you're having trouble getting an issue resolved, Full Circle can help research the claim and work toward a resolution.
You don't just have help choosing a plan. You have someone you can call when you need help using it, too.
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
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.
Let's Find Coverage That Fits Your Life
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