Individual and family plans, employer-sponsored group coverage, and Medicaid context — all under one roof. ACA-compliant, network-friendly, and tailored to Virginia's enrollment and eligibility rules.
Benefitra is the parent platform for benefits brokerage, HR SaaS, marketing, and decision-support tools. Virginia employers can adopt one pillar or stack them.
Seven funding paths: fully-insured, level-funded, self-funded, ICHRA, PEO-integrated, captive, Taft-Hartley.
Compare paths →Lead-engine and rankings for growing employers. Page-2-to-page-1 in months.
See trajectories →Virginia health plans give consumers and employers more options for access to dependable health insurance coverage. These options match different budgets and needs.
Individual and family plans. Virginia health insurance includes individual and family plans bought through Virginia's Insurance Marketplace, the state-based exchange launched for plan year 2024 (replacing HealthCare.gov for Virginians). Plans are ACA-compliant and regulated by the Virginia State Corporation Commission Bureau of Insurance. Coverage depends on household income, county of residence, plan year, and eligibility — confirm complete details before enrolling.
Qualified health plans and subsidies. Marketplace plans meet the federal standard and include essential health benefits: doctor visits, hospital care, pharmacy, preventive, and maternity services. Most Virginia enrollees qualify for premium tax credits based on household income, and many also qualify for cost-sharing reductions on silver plans. Open enrollment runs annually (Nov 1 – Jan 15 historically), with special enrollment periods for qualifying life events such as losing coverage, marriage, birth, or move.
Cardinal Care: Virginia's Medicaid. Cardinal Care is the unified name for Virginia's Medicaid and FAMIS programs, administered by the Department of Medical Assistance Services (DMAS). It covers low-income adults, children, pregnant individuals, seniors, and people with disabilities. Virginia expanded Medicaid under the ACA in 2019, raising the income limit for adults to 138% of the federal poverty level. Medicare remains available for members eligible by age or disability.
Employer group plans in Virginia. Virginia employers with 2 or more employees can offer group health insurance year-round. Small groups (fewer than 25 employees) may qualify for the federal Small Business Health Care Tax Credit. Mid-market employers in the Hampton Roads, Richmond, and Northern Virginia corridors increasingly use level-funded, self-funded, or ICHRA designs to control renewals — Benefitra's Funding-Fit Discovery models the math across all seven arrangements.
Sam worked with us to decrease our health costs by nearly 50% without raising deductibles or limiting the doctor network. The savings let us add valuable benefits and he was always willing to take a call.
Without changing payroll or going through underwriting, we saved over 50% while upgrading to a PPO and improving benefits. The savings funded dental, vision, and a new full-time hire.
The Benefitra plan lowered my family's cost substantially while improving coverage. I've been so happy with it that friends and family have since joined the plan as well.
Funding arrangement is the financial structure underneath a health plan — who holds the claims risk, how premium flows, and which regulators apply. Virginia employers operate under the State Corporation Commission Bureau of Insurance for fully insured products and under federal ERISA for self-funded products. Each arrangement below has its own page covering mechanics, fit profile, and Virginia-specific context.
Marketplace, Medicaid, group plans, and ICHRA. Common Virginia-specific questions for families and employers.
Answer twelve short questions. We grade your fit across the seven funding arrangements — fully-insured, level-funded, self-funded, captive, ICHRA, PEO-integrated, and Taft-Hartley.
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