Chelsea Jennings
President & Founder, Full Circle Insurance Solutions
For nearly 15 years, Chelsea Jennings has helped Virginia businesses, individuals, and families navigate the often-confusing world of health insurance. Her experience spans group employee benefits, individual health insurance, Medicare, and supplemental coverage — giving her a broad understanding of how insurance needs change throughout life.
Chelsea likes to say shes "trilingual" in health insurance. She understands the different systems, the decisions people face within each one, and how to help clients navigate the transitions between them.
But what matters most to Chelsea isn't simply finding someone a policy. It's making sure they understand their coverage, feel confident in their decisions, and know they have someone to call when they need help.
Experience That Goes Beyond the Policy
Chelsea began her career in the corporate insurance world, developing a deep understanding of employee benefits and the challenges employers face when trying to provide meaningful coverage while managing costs.
Over the years, she's worked with businesses across a range of industries, helping employers evaluate plans, navigate compliance requirements, develop benefits strategies, and support employees through enrollment and coverage changes.
Her knowledge extends well beyond group benefits. Chelsea also helps individuals and families evaluate health insurance options, guides clients through Medicare decisions, and advises on supplemental protection such as dental, vision, life, and disability insurance.
That breadth of experience matters because insurance needs rarely stay the same. A business owner may need help designing employee benefits while also making decisions about their family's coverage. Someone leaving a job may need to transition from employer-sponsored insurance to an individual plan. A longtime client may eventually need guidance enrolling in Medicare.
Chelsea understands how those pieces fit together — and helps clients prepare for what's next.
Why Chelsea Chose a Different Approach
Early in her career, Chelsea saw firsthand how impersonal the insurance industry could feel. In larger organizations, the focus was often on standardized processes and transactions rather than individual relationships.
She believed clients deserved something different.
After moving into the independent insurance world, Chelsea ultimately founded Full Circle Insurance Solutions in 2020 to build the kind of business she wanted to work for — and the kind of insurance experience she believed clients should have.
One where people are treated like people, not policy numbers. Where recommendations begin with listening, not selling. And where the relationship doesn't end once the paperwork is signed.
Today, that philosophy shapes how Chelsea works with every client. She takes the time to understand their priorities, explain their options, and help them make decisions that fit their needs and budget.
And when questions arise later — whether it's a confusing bill, a coverage change, or a claim that doesn't look right — she believes clients should have someone in their corner who will help them find answers.
For Chelsea, good insurance guidance isn't just about choosing the right coverage. It's about being there when that coverage matters.
Rooted in the Hampton Roads Community
Chelsea's commitment to building relationships doesn't stop with her clients. She's also deeply involved in the Hampton Roads community, giving her time to local organizations, businesses, young people, and older adults.
Her community involvement includes:
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Kiwanis Club of Chesapeake:
Chelsea served as the President and Chairman of the Board from 2022 — 2023, supporting the organization's commitment to serving children and families. -
Hampton Roads Chamber:
As a Chamber Ambassador, she helps welcome new members, connect local business owners, and strengthen relationships throughout the business community. -
Tallwood High School:
Chelsea coaches the girls' tennis team, sharing her love of the sport while mentoring young athletes. -
Tidewater Community College:
Through the Women's Center mentoring program, she has supported women preparing for the next chapter of their professional lives. -
Chesapeake Task Force on Aging:
Chelsea has contributed her time to efforts focused on supporting older adults in the community.
These aren't simply professional affiliations. They reflect something central to who Chelsea is, and her belief that strong communities are built through relationships, showing up for others, and taking an active interest in their success.
It's the same philosophy she brings to Full Circle Insurance Solutions every day.
Let's Start a Conversation
Whether you're evaluating employee benefits, exploring individual coverage, approaching Medicare, or simply looking for someone who will take the time to understand your situation, Chelsea and the Full Circle team are here to help.
You don't have to figure everything out before reaching out. That's what we're here for.