Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Virginia

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Virginia Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

161476Reviewed

96890Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Virginia

Expertise.com Rating

Review Sources

Google
4.5 (8)

Why choose this provider?

Thompson-Brooks Insurance is an independent insurance agency that has served clients in Virginia for more than 35 years. It offers various health insurance plans for individuals and families, including HMO, FFS, PPO, and HSA plans. It also offers short-term health insurance plans with premiums generally much lower compared to long-term plans. The agency partners with multiple providers, including Aetna, Prudential, and Humana. John Thompson and Mark Brooks, the agency's founders, have served as insurance agents since 1984 and 1980, respectively.

  • Individual Health Insurance
  • Life Insurance

Virginia
Website

Expertise.com Rating

Review Sources

Google
5.0 (106)
Yelp
5.0 (1)

Why choose this provider?

Boomer Insurance Agency Inc. is an independent firm focusing on Medicare planning and application. The company is owned and operated by Bryan Gay, an expert in Medicare insurance with over 17 years of industry experience. Some of the Medicare products it offers include standard Medicare (parts A and B), Medicare Advantage (part C), and Medicare Prescription Drugs (Part D). It also provides Virginia residents Medicare Supplement plans that cover hearing, dental, vision, copayments, and deductibles.

  • Medicare Supplement Insurance

Virginia
Website

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (5)

Why choose this provider?

Central Virginia Insurance Agency serves clients in Virginia. It offers various health insurance options for individuals and groups, including dental, supplemental health, major medical, short-term coverage, and disability. It also provides term and whole-life plans. In addition to the usual personal and commercial risk management options, it works closely with equine farm owners to protect pony cubs, show jumpers, and gaited horses. The agency was established in 1996, and co-owner Alan Place is a life and health insurance specialist.

  • Individual Health Insurance
  • Life Insurance

Virginia
Website

Expertise.com Rating

Review Sources

Facebook
3.8 (59)
Yelp
4.8 (25)
Google
5.0 (1)

Why choose this provider?

Virginia Medical Plans, a OneDigital Company, offers risk management solutions in the local metro. Its team processes self-employed and group health insurance policies. These health plans cover policyholders' medical or hospital expenses resulting from unexpected illnesses. The agency also provides dental, Medicare Supplement, short-term and long-term, and disability insurance. In addition, it caters to clients seeking term and permanent life protection coverages. Founder Jonathan Katz has been in the insurance industry for more than three decades.

  • Dental and Vision Insurance
  • Individual Plans

Virginia
Website

Expertise.com Rating

Review Sources

Google
5.0 (72)
Facebook
4.9 (57)
Yelp
4.7 (3)

Why choose this provider?

Virginia Insurance Services is a local and family-owned independent agency based in Midlothian, serving clients in the state. It provides different types of health coverage, including basic healthcare and major medical insurance. Its basic healthcare plan covers expenses related to shorter hospital stays and visits. The company has been in the industry since 1983. Founder Gene Lastfogel holds multiple professional designations in the industry. Virginia Insurance Services carries financial products from several companies, including Erie, Progressive, Mercury, and The Hartford.

  • Life Insurance
  • Individual Plans

Virginia

Expertise.com Rating

Review Sources

Facebook
5.0 (28)
Google
5.0 (7)

Why choose this provider?

VHIA Health Insurance Agency is a group of insurance professionals that caters to its community in Virginia. Its health insurance specialist, Chris Lynch, offers individual or family health plans, Medicare plans, and small group health plans. Chris is certified on the federal marketplace in 2014 and completes yearly recertification under AHIP requirements. His expertise includes traditional and level-funded small employer plans. Its company supports alternative plans such as short-term health insurance and faith-based sharing programs.

  • Medicare Supplement Insurance
  • Individual Health Insurance
  • Group Plans

Virginia

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Google
5.0 (5)

Why choose this provider?

BeneFinder.com is a general insurance agency that has been serving clients in Virginia since 1984. It offers health insurance that protects individuals and families from unexpected events, covering medical care costs for check-ups, vaccines, preventative care, and screenings. It carries Medicare, dental, vision, and life insurance products. It empowers sole proprietors up to employers with over 100 employees through employer-sponsored health plans. Additionally, BeneFinder.com performs human capital management tasks, such as recruiting, payroll processing, and performance management.

  • Individual Health Insurance

Virginia

Expertise.com Rating

Why choose this provider?

Edie Anderson runs an insurance agency that caters to customers in the Virginia area. The firm offers health insurance products like Medicare Supplements and Cash Advantage Protection plans. Its insurance policies may include coverage for sickness, accidents, and vision and dental care. It also provides 24-hour doctor access through MDhotline. In addition, it has Medi-Share Christian Care plans for believers to share medical, adoption, and funeral expenses. Edie has been working in the health insurance industry for over 40 years.

  • Over 65
  • Dental and Vision Insurance
  • Individual Health Insurance

Virginia
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (45)
Google
4.8 (16)

Why choose this provider?

Trustpoint Insurance is an independent boutique agency that serves clients in Virginia. It offers health insurance policies, including dental, disability, and long-term care plans. It provides insurance options for families and businesses based on the needs and financial capacity of the client. Other risk management options include life, homeowners, and personal auto. Clients have 24/7 access to documentation. Trustpoint Insurance was established in 2006 by Robert Iocco and John Marco Warner, striving to bring insurance options to small and medium-sized businesses.

  • Individual Plans
  • Medicare Supplement Insurance

Virginia
Website

Expertise.com Rating

Review Sources

Google
4.8 (9)
Facebook
5.0 (2)

Why choose this provider?

Croft Insurance Services Inc. is a local agency established in 2004 to assist clients in Virginia. Its company provides health insurance options including individual and family, short-term or long-term, and medicare prescription drug plans. Its founder Sue Croft is a Registered Investment Advisor and was awarded “Woman of the Year” 2010-2011 by the National Association of Professional Women. Its company pioneered Medicare Advantage in the state and is one of the pioneers of the Medicare Advantage Medical Savings Account.

  • Medicare Supplement Insurance
  • Life Insurance

Virginia

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (10)

Why choose this provider?

Hecht Insurance Advisors caters to individuals, families, and businesses in Virginia. It helps clients obtain their finances in case they get sick or injured by providing them with various types of health insurance policies such as HMOs and EPOs, PPOs and POS, and HDHP. Dental, vision, Medicare, and critical illness coverages are also available. The company represents several carriers like Progressive, Zurich, MetLife, Travelers, and Liberty Mutual. Its additional insurance products include classic car, disability, and group benefits.

  • Medicare Supplement Insurance
  • Dental and Vision Insurance
  • Individual Health Insurance

Virginia
Website

Expertise.com Rating

Review Sources

Google
4.5 (17)

Why choose this provider?

Lyons & Associates is a health insurance service provider catering to the risk management concerns of Virginia residents. The company's team assists different types of clients, ranging from families and young professionals to business owners and seniors, in applying for health insurance plans. The team provides individual or group plans and Medicare-related products and guides clients throughout the application process. Lyons & Associates is a family-owned business serving the public for more than 20 years.

  • Medicare Supplement Insurance
  • Dental and Vision Insurance
  • Individual Plans

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

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