Before subsidies, the average benchmark silver plan for a 40-year-old in Virginia costs $549 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size.
Employee benefits brokers in the Richmond area help businesses of 1 to 50 employees choose group plans, handle renewals and answer employee questions. The 8 firms below are closest to Richmond, VA.
Small Business & Group Health Insurance Brokers 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.
Options for small employers
Traditional small-group plans, level-funded plans, ICHRAs (employees buy individual plans with tax-free employer money) and QSEHRAs for businesses under 50 employees.
Do I need a minimum number of employees?
Small-group rules vary by carrier and state. Many carriers write group plans for businesses with as few as one or two employees besides the owner; a broker can tell you what's available in Virginia.
Self-employed with no employees?
Group plans usually need at least one non-owner employee. Solo owners typically buy individual coverage, often with a premium tax credit.
Frequently asked questions
What is an ICHRA?
An individual coverage HRA lets an employer give employees tax-free money to buy their own individual health plans. It works for businesses of any size.
How much does small business health insurance cost in Virginia?
Premiums depend on employee ages, location, plan design and how much the employer contributes. A benefits broker can quote several carriers and funding options side by side.
Do benefits brokers charge employers?
Most are paid commissions by the insurer. Some charge consulting fees for larger groups or extra services; ask before you sign.
Small business in nearby cities
- Highland Springs, VA 8 miles
- Bellwood, VA 9 miles
- Sandston, VA 9 miles
- Mechanicsville, VA 9 miles
- Glen Allen, VA 9 miles
- Innsbrook, VA 10 miles
- Brandermill, VA 12 miles
- Short Pump, VA 12 miles
- Chester, VA 12 miles
- Woodlake, VA 13 miles