Health insurance help in Virginia, from a licensed advisor who answers his own phone.
I’m JP SaintAmour, a licensed independent health insurance advisor based in Tampa, Florida, and licensed in Virginia (license 1594005). I help self-employed people, 1099 contractors, families, and people retiring before 65 across the state compare private and Marketplace plans, honestly and at no cost to you.
Free. Never a fee. 7 days a week, 8 a.m.–10 p.m. ET.
What I help Virginia residents with
The same work I do everywhere, quoted for your county. If you work for yourself, you lost the employer subsidy and, since the enhanced premium tax credits expired at the end of 2025, you may be paying full price. If you are retiring before 65, you are bridging the most expensive coverage years of your life. If you have a family, you want to keep your doctors without paying for a network you never use. I run the numbers both ways: a Marketplace plan with whatever credit you qualify for and, if you are healthy, a private underwritten quote.
Virginia runs its own state Marketplace (Virginia's Insurance Marketplace (state-based exchange since fall 2023)) for ACA plans. Approved individual-market premium changes for 2026 averaged +21.6% in Virginia (final approved 2026 filings as compiled by ACA Signups, checked September 14, 2026), so if your renewal jumped, you are not alone.
When the Marketplace wins
If you qualify for a premium tax credit, or you have real medical history, an ACA plan is usually the right door. It is guaranteed issue and covers pre-existing conditions. I will say so and enroll you there.
When a private plan wins
Healthy households paying full price sometimes pay less on a private plan, because it prices on health as well as age and ZIP code. The trade-off is real: a carrier can decline you, charge more, or exclude a condition, and it is not ACA coverage.
What Virginia Marketplace plans list for in 2026
Statewide medians of the full list price for one adult, per month, before any tax credit.
Virginia runs its own Marketplace, so statewide list prices are not in the federal plan file. I will quote your county directly.
For Virginia prices by county, see the Virginia page on Browse Health Plans, the free price tool I built, with prices by county and the cheapest plans by name. If you have a complaint about an insurer, the Virginia insurance department’s consumer page is the place to file it.
One call, the numbers both ways, your decision
We talk. Your household, your income, your doctors, what you pay now. No medical questions on this website.
I run it both ways. Marketplace with any credit you qualify for, and a private quote if you are healthy. Side by side, in plain English.
You decide. I enroll you and stay. Claims questions, changes, and next year’s renewal all come back to the same number.
License 1594005
Issued to Frederic John Paul SaintAmour III, NPN 21146876. Check it on the National Insurance Producer Registry or through the Virginia insurance department. All 17 of my licenses are listed on the states page.
Ready when you are.
Outside my 17 states? Browse Health Plans, the free price tool I built, shows your county's prices and a licensed advisor follows up.