GROUP HEALTH INSURANCE · VIRGINIA

Virginia Group Health Specialist

Group Health for Your Virginia Team.
Without the Corporate Price Tag.

Independent brokers who quote the Virginia market side by side, tell you which structure your roster really fits, and manage renewal every year after. Zero fee to your business.

Group health plans for 1–50 employees

We shop all the top Virginia carriers so you get the best rate

Our service is 100% free, paid by carriers, not you

Licensed in Virginia & 30+ states

30+ States

$0 Broker Fee

1 Day Quote Time

Get Your Free Group Health Quote

Takes 60 seconds · No obligation

First Name *

Last Name *

Business Name *

Business Email *

Phone Number *

ZIP Code *

Employees *

When do you need coverage? *

What coverage are you interested in? *

Health Dental Vision Life

Your info is private & never sold

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Quote Request Received!

A licensed broker will contact you within 1 business hour with your personalized group health options.

Need it faster? Call us directly:
(863) 270-9820

Start to Finish

Three Steps, About a Week End to End

You spend roughly an hour total. We spend the rest of it on carriers and paperwork.

Start With One Call

Or the form above, whichever is faster. The first conversation takes about fifteen minutes.

We Build the Options

Side-by-side plans from the carriers active in Virginia, with the catch in each one spelled out rather than buried.

Enroll and Hand Off the Admin

We submit everything, brief your employees, and stay on as the people they call with coverage questions.

Broker
Fees

Why Moran

The Broker Who Works For You

You will work with Amanda or Erik directly, from the first quote through every renewal. No account handoffs, no call center queue, no rotating rep who does not know your group.

Ongoing, Not Transactional

Mid-year additions, claims escalations, and renewal strategy stay part of the service.

A Real Person, Every Time

You get Amanda or Erik directly, not a call center. Same broker from quote to renewal.

We Handle the Paperwork

Enrollment, renewals, claims questions. We stay with you long after the policy starts.

Plans for Every Budget

From basic MEC plans to full PPO coverage, we find the right fit for your business.

What You Get

The Coverage Your Team Ends Up With

A benefits package that holds up against what larger Virginia employers are offering.

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Medical, Dental & Vision

Comprehensive coverage options from Virginia's top carriers including Anthem Blue Cross Blue Shield, Sentara Health Plans, CareFirst, Aetna, UnitedHealthcare, and more.

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Prescription Drug Coverage

Robust pharmacy benefits included with most plans, reducing out-of-pocket costs for your entire team.

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HMO, PPO & HDHP Plans

We match your team to the right plan type, whether you need lower premiums, more flexibility, or HSA-compatible options.

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Annual Renewal Support

We re-shop your plan every year at renewal to make sure you're still getting the best rate, always.

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Employee Onboarding Help

We walk your new hires through their options, answer their questions, and handle enrollment, so you don't have to.

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Multi-State Teams Covered

Have employees across multiple states? We're licensed in 30+ states and can structure coverage for your entire workforce.

Which Structure Fits Your Team?

Virginia Businesses Have Three Good Options

A NoVa consulting firm and a Richmond contractor shouldn't buy coverage the same way. We quote traditional group, level funded, and ICHRA side by side.

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Traditional Group Health

Fully insured plans with the networks Virginia employees expect, from Northern Virginia down to Hampton Roads. Fixed premiums and zero funding risk for you.

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Level Funded Health Plans

Get self-funded economics without self-funded risk: stop-loss insurance caps your exposure, and a healthy year for your Virginia team can mean a refund check at renewal.

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ICHRA (Individual Coverage HRA)

A defined monthly allowance each employee spends on the individual plan of their choice, tax-free. Especially strong for DC-area teams with employees in Virginia, Maryland, and beyond. We run the setup and compliance.

What Comes Across Our Desk

Common Virginia Benefits Problems, and How We Work Them

These are illustrative scenarios rather than testimonials, included to show how we actually approach the work.

19 employees · federal contractor

Competing for cleared staff against primes with rich benefits, while contract margins are fixed years in advance.

How we approach it: We model the options side by side and tell you which one we would pick if it were our payroll.

7 employees · professional services firm

Richmond team where the partners want predictable cost more than they want the richest possible plan.

How we approach it: We price fully insured against level funded on the real census, and say plainly which one the roster supports.

24 employees · marine and industrial trades

Hampton Roads crews whose specialists sit inside one health system, making network fit the whole question.

How we approach it: We quote every structure that could fit and explain the trade-off in each rather than leading with one product.

On the Ground in Virginia

Virginia market snapshot

Structural facts about Virginia that decide which options can even apply to you.

Exchange

Virginia runs its own state-based exchange, Virginia's Insurance Marketplace, rather than Healthcare.gov. Federal subsidy rules are identical; the storefront is what differs.

Medicaid

Virginia expanded Medicaid, covering adults up to roughly 138% of the federal poverty level, so the lower-income end of the market is well served and the expensive blind spot sits above the subsidy cutoff.

Carriers competing here

The small group market in Virginia includes Anthem Blue Cross Blue Shield, Sentara Health Plans, Aetna, UnitedHealthcare, and Cigna. We compare what is available to a group your size rather than leading with one carrier.

Where your rate comes from

Carriers file rates by rating area, which is why Northern Virginia, Richmond, Virginia Beach, and Roanoke price differently for the same roster. Your local government contracting, professional services, shipbuilding, and agriculture employers see the same spread. Virginia runs its own exchange and expanded Medicaid, and Northern Virginia, Richmond, and Hampton Roads behave as three separate rating regions with their own carrier and network dynamics.

FAQ

Common Questions

Straight answers to what Virginia employers ask us first.

One employee besides the owner is usually enough. Virginia groups from 1 to 50 employees cannot be turned down for health reasons, so the questions that matter are participation and how much the business contributes.

It is free. Carriers pay us from premiums that are already filed and approved, so there is no scenario where using us costs you more than going direct.

Usually inside two weeks. Same-day quotes are normal, then effective dates are driven by the carrier's cutoff and when your team completes enrollment.

The carriers active in Virginia's small group market include Anthem Blue Cross Blue Shield, Sentara Health Plans, Aetna, UnitedHealthcare, and Cigna. Virginia now runs its own exchange and expanded Medicaid, and Northern Virginia, Richmond, and Hampton Roads each price as genuinely distinct regions. We compare what is available to a group your size and present the options that fit, rather than leading with one carrier's product.

No Virginia law requires it. Only the federal ACA employer mandate applies, and only to employers with 50 or more full-time equivalent employees. Virginia expanded Medicaid, covering adults up to roughly 138% of the federal poverty level, so the lower-income end of the market is well served and the expensive blind spot sits above the subsidy cutoff.

Traditional group gives fixed, predictable cost with full guaranteed-issue protection. Level funded underwrites your group and can return part of a healthy claims year, which tends to reward younger teams. An ICHRA replaces the group plan with a defined tax-free allowance, and employees would shop for those individual plans on Virginia's Insurance Marketplace. Virginia runs its own exchange and expanded Medicaid, and Northern Virginia, Richmond, and Hampton Roads behave as three separate rating regions with their own carrier and network dynamics. We price all three against your census before recommending one.

Group Health for Your Virginia Team.
Without the Corporate Price Tag.

Quote Request Received!

Small business benefits, structured like a large employer's.

Three Steps, About a Week End to End

Start With One Call

We Build the Options

Enroll and Hand Off the Admin

The Broker Who Works For You

Ongoing, Not Transactional

A Real Person, Every Time

We Handle the Paperwork

Plans for Every Budget

The Coverage Your Team Ends Up With

Medical, Dental & Vision

Prescription Drug Coverage

HMO, PPO & HDHP Plans

Annual Renewal Support

Employee Onboarding Help

Multi-State Teams Covered

Virginia Businesses Have Three Good Options

Traditional Group Health

Level Funded Health Plans

ICHRA (Individual Coverage HRA)

Common Virginia Benefits Problems, and How We Work Them

Virginia market snapshot

Exchange

Medicaid

Carriers competing here

Where your rate comes from

Common Questions

Ready to Cover Your Team?

Group Health for Your Virginia Team.Without the Corporate Price Tag.

Quote Request Received!

Small business benefits, structured like a large employer's.

Three Steps, About a Week End to End

Start With One Call

We Build the Options

Enroll and Hand Off the Admin

The Broker Who Works For You

Ongoing, Not Transactional

A Real Person, Every Time

We Handle the Paperwork

Plans for Every Budget

The Coverage Your Team Ends Up With

Medical, Dental & Vision

Prescription Drug Coverage

HMO, PPO & HDHP Plans

Annual Renewal Support

Employee Onboarding Help

Multi-State Teams Covered

Virginia Businesses Have Three Good Options

Traditional Group Health

Level Funded Health Plans

ICHRA (Individual Coverage HRA)

Common Virginia Benefits Problems, and How We Work Them

Virginia market snapshot

Exchange

Medicaid

Carriers competing here

Where your rate comes from

Common Questions

Ready to Cover Your Team?

Group Health for Your Virginia Team.
Without the Corporate Price Tag.