Individual/Family Health Insurance Plans

Open Enrollment is from November 1 through January 31

UPDATE:  CoventryOne will be exiting the individual market in Virginia at the end of 2016 in most counties.  Optima Health will also be discontinuing plans in certain counties.  We will help transition our clients to new plans for 2017 during open enrollment.  If you did not file taxes, filed them late, or had other circumstances affecting your reported income or status, you could have lost your subsidy eligibility.  If that has happened, you need to report the accurate income & information to the Marketplace.

If you are satisfied with your plan (and it is remaining available) , it will renew automatically and you will receive any plan changes/updates from the insurance carrier.  If you have a subsidy eligible plan, report any changes to the Health Insurance Marketplace that could affect your subsidy.  Make sure our NPN 3026962 is listed on the Marketplace/ enrollment site so we can continue to assist you. 

  • November 1, 2016: Open Enrollment begins. Apply for or change your coverage.
  • December 15, 2016: Deadline in order to have coverage that begins on January 1, 2017 (if you apply on December 16 you’re coverage will most likely not start until February 1).
  • December 31, 2016: Coverage ends for 2016 plans. You will be auto-renewed if you don’t change your plan- unless your plan is exiting the market
  • January 31, 2017: This is the last day you can apply for 2017 coverage before the end of Open Enrollment.

Contact us to get free expert advice before applying for your health insurance.  There are advantages and disadvantages to all of the plans offered.  It is best to choose your plan based on your needs.  As independent agents, we can assist with plan selection and enrollment.  You can use our free online quoting tool to get quotes, for both plan on and off the Marketplace (the Marketplace has the subsidy eligible plans).  You can use our carrier links to apply directly, although direct enrollment is sometimes limited outside of the open enrollment period.

The quoting link will provide 2017 open enrollment rates and plans

Our Providers


Herbert Insurance Agency

115 Hanover Ave Suite 100

Ashland, VA 23005

Phone: (804) 798-4438

Fax: (804)-798-1824

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