Health Insurance in Richmond, Virginia
Richmond's mix of state government, law firms, banking, breweries and a thriving arts scene creates plenty of self-employed work. Richmond-area families and self-employed professionals can work through their choices with Frank Caballero, whose Virginia license lets him serve the state from Tampa over calls or video, in English and in Spanish. He lays Virginia's Insurance Marketplace plans beside private options and checks your doctors before you commit.
Richmond at a glance
- Where Richmond buys Marketplace plans: Virginia's Insurance Marketplace, Virginia's own exchange
- Open enrollment for 2027 coverage: November 1, 2026 to January 29, 2027
- Virginia 2027 average rate change: 15.8% to 16.9% (finalized)
- Private plans: Any month, if approved
Who I help in Richmond
Attorneys and legal contractors, state government consultants, graphic designers and ad agency contractors, craft brewers and distillers, restaurant owners, home renovators, therapists in private practice, and couples retiring early from corporate jobs.
What to watch when choosing a plan here
Richmond is an independent city surrounded by Henrico, Chesterfield and Hanover counties, and lots of households live in the counties while working downtown. Plan lineups and networks can change across those lines. Some Virginia plans are HMOs that cover little outside the state, so if you travel to Washington or see a doctor in another state, look at the out-of-network rules closely.
Private plans and the Marketplace
Richmond households buy Marketplace plans through Virginia's Insurance Marketplace. For 2027 the subsidy stops at 400% of the federal poverty level, $63,840 for one person and $132,000 for a family of four, and above that line every plan is full price. More on Virginia's numbers is on the Virginia 2027 premium increase page.
A private, medically underwritten plan is priced on age, ZIP code and health instead of income. You answer health questions, approval depends on them, benefits vary by plan, and private plans are not ACA Marketplace plans. If approved, one can start the first of any month, so it does not wait for open enrollment.
Areas served
Henrico · Chesterfield · Short Pump · Midlothian · Mechanicsville · Glen Allen · Ashland · Petersburg, all by phone or video in English or Spanish.
Compare Richmond plans
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
Richmond questions
How much are Richmond premiums rising in 2027?
Virginia's finalized individual-market increase falls between about 16 and 17 percent for 2027, while small-group coverage rises roughly 10.7 percent. A state reinsurance program, approved through 2027, helps hold premiums down but does not erase the increase.
Do I have to use Virginia's exchange to get coverage in Richmond?
Virginia residents use Virginia's Insurance Marketplace, the state's own exchange, for ACA plans. You can also look at private plans sold outside the exchange; they use medical underwriting, their benefits differ, and the ACA Marketplace does not offer them. Frank, an independent broker, explains both.
What if I'm leaving a Richmond job with benefits?
A job loss gives you 60 days of special enrollment. If your old employer had under 20 employees and an insured plan, Virginia's continuation rule may let you keep it twelve months, paying the group cost and a small fee.
More for Virginia
- Health insurance in Virginia
- Virginia open enrollment 2027
- Virginia open enrollment for the self-employed
- Virginia open enrollment for families
- Virginia health insurance quotes
- Self-employed health insurance in Virginia
Other Virginia cities
Frank Caballero, licensed health insurance broker in Virginia and 30 other states, NPN 21032307. Based in Tampa, serving Richmond by phone or video. FC Insurance Solutions is independent and not affiliated with any government agency.