Individual and family health insurance, explained by a local advisor.
Self-employed, between jobs, retiring before 65, or not covered at work. Blue Ridge Insurance helps Central Virginia individuals and families compare health plans and check whether they qualify for help with premiums.
When you can enroll matters as much as what you choose.
Most individual health plans can only be bought during the annual Open Enrollment period each fall, or within a Special Enrollment Period after a qualifying life event such as losing other coverage, moving, marriage or having a baby.
Depending on your household income, you may qualify for tax credits that lower your monthly premium. We’ll check eligibility, compare plans against your doctors and prescriptions, and help you enroll at no cost to you.
Qualifying life events include
- Losing employer or other coverage
- Moving to a new area
- Marriage or divorce
- Birth or adoption
- Changes in household income
How we compare health plans
Provider networks
Whether your doctors and nearby hospitals are in network.
Prescription coverage
How your medications are covered and what they’ll cost.
Total cost
Premium, deductible and out-of-pocket maximum together, not premium alone.
Premium tax credits
Whether your household qualifies for help paying premiums.
HSA-eligible plans
High-deductible options paired with a tax-advantaged savings account.
Turning 65
When it’s time, we’ll help you move to Medicare.
Start your health insurance quote.
Tick Life & Health in the form. A licensed advisor will follow up to review your household, doctors and prescriptions.
- No cost for our help
- Tax credit eligibility checked
- Help at renewal each year
Individual health insurance questions
Can I buy health insurance any time of year?
Does it cost more to use an agent?
I’m retiring before 65. What are my options?
Need coverage for you or your family?
Let’s compare plans and check what help you qualify for.