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2024

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Best Health Insurance Agencies in Lynchburg, VA

Our Recommended Top 8

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 Lynchburg 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.

1505Reviewed

906Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3723 Old Forest Road Suite C, Lynchburg, VA 24501
WebsiteLicense: 137100

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (4)

Why choose this provider?

Gardner Insurance Solutions, LLC, serves individuals throughout the Lynchburg area. It provides a comprehensive range of insurance products, including health and life insurance plans. In addition, it offers fixed annuities, assisting clients in finding the right coverage for their needs. This independent agency represents carefully selected insurance carriers to provide more policy options for its clients. Serving clients since 1993, the agency also offers auto, home, and condominium insurance plans and coverage for earthquake and flood damage.

  • Health Insurance

106 Annjo Court Suite B, Forest, VA 24551
WebsiteLicense: 135519

Expertise.com Rating

Review Sources

Google
4.8 (23)

Why choose this provider?

Serving Lynchburg and the surrounding areas, Thompson-Brooks Insurance guides individuals and families in choosing the health and life insurance coverages that suit their budgets. It offers its clients dental and temporary health insurance plans, as well as Medicare Supplement Insurance. Other types of plans available from the company's agents include accident, disability, and cancer insurance. The founders of the company, John Thompson and Mark Brooks, have been in the insurance business for over 35 years.

  • Health Insurance

20190 Timberlake Road Suite A, Lynchburg, VA 24502
WebsiteLicense: 115975
Website

Expertise.com Rating

Review Sources

Facebook
4.5 (14)
Google
4.3 (6)
Yelp
5.0 (1)

Why choose this provider?

Timberlake Insurance Agency is a full-service independent firm serving the Lynchburg community. Since 1975, it has been helping individuals in finding health and supplemental insurance plans based on their needs and preferences. The coverage can include accident, critical illness, and short-term medical options. Its team of professionals also assists clients in determining if they qualify for Medicare plans like Medicare Advantage, Medicare Supplement, and Medicare Prescription Drug. Online quotes are available for car insurance needs.

  • Health Insurance
  • Medicare

1658 Graves Mill Rd, Lynchburg, VA 24502
WebsiteLicense: 136341

Expertise.com Rating

Review Sources

Google
4.9 (54)
Facebook
5.0 (22)
Yelp
3.0 (2)

Why choose this provider?

Rob Chapman provides clients with health protection plans in Lynchburg and its surrounding areas. He and his four-member team assist individuals in getting auto, homeowners', renters', life, and business insurance plans. They offer mutual funds, annuities, and banking products. In addition, they provide relocation assistance to residents in the metro. Throughout Chapman's years of being a State Farm since 2010, he has received various awards like the State Farm Chairman’s Circle and the Million Dollar Round Table.

  • Health Insurance

6200 Fort Ave., Lynchburg, VA 24502
WebsiteLicense: 112516

Expertise.com Rating

Why choose this provider?

For more than 37 years, Lynchburg-based Hodges Insurance Agency LLC has been providing health insurance products to clients in the local metro. In addition to regular health insurance plans, it furnishes supplemental coverages to pay for expenses that Medicare does not compensate. The company tailors insurance for individual life, long-term care, and disability benefits. An independent broker, Hodges Insurance Agency offers access to many providers, including American Equity, Assurity, Genworth Financial, and John Hancock Financial.

  • Life Insurance
  • Health Insurance

1301 Old Graves Mill Road, Lynchburg, VA 24502
WebsiteLicense: 107581

Expertise.com Rating

Review Sources

Google
4.1 (12)

Why choose this provider?

Scott Insurance is an employee-owned agency that provides health insurance policies to clients in and around Lynchburg. It offers both association-based health plans and individual Medicare coverage with customizable options. These can range from hospital and medical expenses to private hospice and terminal illness treatments. The agency also updates clients on special enrollment periods for health insurance, such as 65th birthdays and adoptions. Established in 1864, Scott Insurance has been consistently named by Reagan & Associates as part of the top 30 agencies nationwide.

  • Health Insurance
  • Medicare

7119 Peachtree Rd, Lynchburg, VA 24502
WebsiteLicense: 126757

Expertise.com Rating

Review Sources

Facebook
5.0 (23)
Google
5.0 (4)

Why choose this provider?

Central Virginia Financial Services assists individuals in Lynchburg who are looking for health insurance plans. It offers individual health policies, Medicare Advantage, Medicare Supplement Insurance, and Medicare prescription drug plans. The agency also helps clients select specialized coverages like hospital indemnity and protection plans for cancer, disability, dental, vision, and short nursing home care. Central Virginia Financial Services is an independent agency that offers products, including life insurance from various companies like Anthem, Equitable Life, and Allstate.

  • Life Insurance
  • Medicare Supplements
  • Health Insurance

101 Duncraig Drive Suite 108, Lynchburg, VA 24502
WebsiteLicense: 125489

Expertise.com Rating

Review Sources

Google
5.0 (56)
Facebook
4.7 (42)
Yelp
5.0 (10)

Why choose this provider?

Founded in May 2008, Nelles Insurance Solutions offers a comprehensive line of health insurance products to individuals and families in and around Lynchburg. The agency aims to protect clients from significant financial loss caused by unexpected medical, surgical, and hospital costs. Representing a wide variety of insurance carriers, the firm has various product offerings, which include dental, disability, long-term care, and vision insurance. The agency was recently named the Best Insurance Agency by Lynchburg Living Magazine for 2021.

  • Individual Plans
  • Life Insurance
  • Health Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Gardner Insurance Solutions, LLC
3723 Old Forest Road Suite C, Lynchburg, VA 24501
Thompson-Brooks Insurance
106 Annjo Court Suite B, Forest, VA 24551
Timberlake Insurance Agency
20190 Timberlake Road Suite A, Lynchburg, VA 24502
Rob Chapman
1658 Graves Mill Rd, Lynchburg, VA 24502
Hodges Insurance Agency, LLC
6200 Fort Ave., Lynchburg, VA 24502
Scott
1301 Old Graves Mill Road, Lynchburg, VA 24502
Central Virginia Financial Services
7119 Peachtree Rd, Lynchburg, VA 24502
Nelles Insurance Solutions
101 Duncraig Drive Suite 108, Lynchburg, VA 24502

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.

  • Is there an individual mandate for health insurance in Lynchburg?

    No, Virginia does not have a state mandate, but it follows the federal Affordable Care Act, which requires all citizens to have health insurance. The tax penalty previously imposed on people who did not have coverage for the tax year has been removed. So, if you do not have health insurance in Lynchburg or have a gap in your coverage, you must report it on your tax return but no longer have to pay a penalty.

  • Is there a marketplace group health insurance option that small business owners in Lynchburg can offer their employees?

    Yes, small businesses in Lynchburg are not required to provide insurance to their employees, but they can do so through the Small Business Health Options Program (SHOP). To qualify for SHOP, the company must have a maximum of 50 full-time equivalent employees and a primary business address in Virginia. All full-time employees must be offered insurance, and 70% of those who receive it must enroll. Employers may be eligible for a tax credit equal to 50% of the insurance costs they sponsor.

  • Where can you buy ACA-compliant health insurance plans in Lynchburg?

    Lynchburg residents can purchase ACA-compliant health plans both on-exchange and off-exchange from Virginia's insurance marketplace (http://www.marketplace.virginia.gov/). It is important to note that financial assistance to help reduce your insurance costs is only available if you buy on-exchange. In other ways, both purchasing options would be comparable. You will pay the same premiums on and off the exchange and must enroll in your health plan during the same open enrollment period, which runs from November 1 to January 15.

  • Can you still cover a child who is no longer financially dependent on you under your health insurance plan in Lynchburg?

    Yes, you can add any child to your Lynchburg health plan, even if they are already financially independent, as long as they are under the age of 26, including biological, adopted, and stepchildren. You can also insure your child even if they are already married, live away from home, or are not in school. Grandchildren who are legally your adoptive or guardian can also be covered as a dependent. These conditions are outlined in Virginia Code Section 38.2-3439.

  • When can you enroll your new baby in your ACA health insurance plan in Lynchburg?

    Within 60 days of the birth, you must enroll your baby as a dependent in your Lynchburg health plan. You are not required to attend the open enrollment period (OEP). Your child's birth is a qualifying life event for which you can apply for a special enrollment period (SEP). If you enroll within 60 days of the baby's birth date, their coverage will begin retroactively on that date. You will have to wait for the next OEP if you do not.

  • 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.