What does coverage cost in Richmond? Across Virginia, the 2027 benchmark silver plan for a 40-year-old averages $549 a month before subsidies, compared with $704 nationally. Most marketplace shoppers pay less after the premium tax credit.
A local health insurance agent can walk you through plans sold in Richmond County and help with enrollment, renewals and claims questions later. Below are the 15 agent offices nearest Richmond.
Health Insurance Agents near Richmond
Licensed agents can compare plans available in Richmond County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in Richmond
- Networks worth checking before you pick a plan in Richmond are VCU Health (VCU Medical Center), Bon Secours (St. Mary's Hospital and Richmond Community Hospital) and HCA Virginia (including Johnston-Willis, Henrico Doctors', Retreat Doctors' and Parham Doctors' hospitals). Source
- VCU Health is the academic health system tied to Virginia Commonwealth University in downtown Richmond. Source
- HCA Virginia operates several community hospitals in the Richmond area, such as Henrico Doctors' Hospital. Source
- Richmond is an independent city served by the Richmond City Health Department (part of the Virginia Department of Health), which offers clinical, immunization and STI/HIV services. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Agents are free to use
Insurers pay agent commissions. Using a licensed agent doesn't add to your premium.
Questions to ask before you choose
Which carriers can you quote in Richmond County? Are you certified to enroll people through the Virginia's Insurance Marketplace? Will you help me at renewal next year?
What a local agent does
Agents licensed in Virginia can explain plan types (HMO, PPO, EPO), estimate your premium tax credit, enroll you, and help when something goes wrong with a claim or a bill.
Checking an agent's license in Virginia
- The Virginia Bureau of Insurance offers its own Producer (Agent/Agency) Lookup online, along with a lookup by Virginia license number or National Producer Number. Consumers can use it to confirm an agent or agency is licensed in Virginia. Source
- The Bureau of Insurance of the Virginia State Corporation Commission licenses insurance agents and agencies and regulates insurers in the state. Consumers can file a complaint through the Bureau's online Consumer Complaint Portal. Source
Free enrollment help in Virginia
Virginia's Insurance Marketplace Navigators and Virginia Assisters (nonprofit staff trained by the Marketplace and registered with the Bureau of Insurance) help consumers apply and enroll at no cost; they can't recommend a specific plan. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
How many agencies are near Richmond?
Our listings show 44 health insurance agencies within 25 miles of Richmond and 50 within 50 miles.
Can an agent help if I'm self-employed?
Yes. Agents work with 1099 and self-employed clients every day, including estimating income that changes from year to year.
What's the difference between an agent and a navigator?
Navigators are trained helpers funded to give free, unbiased enrollment help, but they can't recommend a plan. Licensed agents can recommend plans and may also sell coverage outside the marketplace.
Agents in nearby cities
- East Highland Park, VA 6 miles
- Bensley, VA 6 miles
- Dumbarton, VA 6 miles
- Meadowbrook, VA 7 miles
- Rockwood, VA 7 miles
- Tuckahoe, VA 7 miles
- Chamberlayne, VA 7 miles
- Laurel, VA 8 miles
- Highland Springs, VA 8 miles
- Bellwood, VA 9 miles