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(863) 270-9820
GROUP HEALTH INSURANCE · VIRGINIA
Virginia Group Health Specialist

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

From Virginia Beach offices to Richmond main streets, Virginia small businesses are the backbone of the state. We get your team real group health coverage with same-day quotes, top Virginia carriers compared, and no broker fees, ever.

Plans for 1–50 employees · No minimums
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
Your info is private & never sold
🎉

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

Licensed Virginia Broker
No Broker Fees, Ever
Same-Day Quotes
Plans for 1–50 Employees
Licensed in 30+ States
TW
★★★★★

"Amanda had me comparing plans the same afternoon I called. We saved over $400/month compared to what I was quoted directly."

Terrence W. · Owner · Richmond Construction Co. · 11 Employees
Simple Process

Coverage in 3 Easy Steps

From first call to your employees being covered, we handle everything.

1

Request Your Quote

Fill out the quick form above or call us directly. Tell us your team size, ZIP code, and when you need coverage.

2

We Shop All the Top Virginia Carriers

Your dedicated broker compares plans from every major Virginia carrier and presents your best options, side by side.

3

Enroll & You're Done

We handle all the paperwork. Your employees get their cards. You focus on running your business.

Small business team meeting
$0
Broker
Fees
Why Moran

The Broker Who Works For You

Most business owners overpay for group health because they go directly to one carrier. We work with all the top Virginia carriers, so you always get the most competitive plan for your team.

Zero Cost to You

We're compensated by insurance carriers, not by you. Expert guidance at no extra charge.

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

Everything Your Business Needs

Group health isn't just a benefit, it's your most powerful hiring and retention tool.

🏥

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.

💊

Prescription Drug Coverage

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

📋

HMO, PPO & HDHP Plans

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

🔄

Annual Renewal Support

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

👥

Employee Onboarding Help

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

📍

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.

🏛️

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.

📈

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.

🧾

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.

Reviews

Virginia Business Owners Trust Moran

Real results from real clients across Virginia.

★★★★★
"I spent weeks trying to figure out group health on my own. Amanda had me comparing plans the same afternoon I called. We saved over $400/month compared to what I was quoted directly."
TW
Terrence W.
Owner · Richmond Construction Co. · 11 Employees
★★★★★
"What I love most is that Amanda is always available. When my employees have questions about their coverage, she answers them directly. It's like having an HR department for free."
KD
Karen D.
CEO · Arlington Marketing Agency · 7 Employees
★★★★★
"We were about to lose two great employees because we didn't offer benefits. Moran Insurance set us up with a solid plan in under a week. Both employees are still with us."
JB
Jason B.
Partner · Norfolk Accounting Firm · 5 Employees
FAQ

Common Questions

Everything Virginia business owners ask before getting started.

In Virginia, you usually need just one enrolled employee besides the owner. Whether you're a two-person shop in Norfolk or a 50-person crew in Richmond, we'll match you with coverage that fits your headcount.
Nothing. Our brokerage services are 100% free to you. Virginia insurance carriers compensate us directly, so you get expert guidance, plan comparison, and ongoing support at zero cost.
Coverage is typically in place within 30 days of applying, and with the big Virginia carriers we can often move quicker. Some private underwritten plans can offer start dates upon approval.
Employer contribution requirements vary by carrier and plan. In Virginia, some plans require a minimum employer contribution (typically 50%), while others are more flexible. We'll find you options that fit your budget.
Yes. We're licensed in 30+ states and regularly set up multi-state group plans. If your team is spread across several states, we'll structure a solution that covers everyone.
We proactively re-shop your plan every year before your renewal date. If we find something better, we present your options with a full comparison. You're never locked in, and you're never surprised by a rate hike.

Ready to Cover Your Team?

Get a free, no-obligation group health quote today. A licensed Virginia broker will respond within 1 business hour.

Get My Free Quote → Call (863) 270-9820
Call Now