Licensed in Virginia
Health, Life & Disability Insurance in Virginia
Independent, fee-free help choosing health, life, and disability coverage across Virginia. I work for you—not the insurance company.
Insurance in Virginia
Virginia’s economy is anchored by federal government, defense contracting, and a growing northern tech corridor, alongside rural communities with fewer carrier choices. Contractors between government gigs and early retirees from federal service are two groups we help most often here.
As of plan year 2024, Virginia operates its own state-based exchange, Virginia's Insurance Marketplace, rather than HealthCare.gov. Short-term plans are tightly restricted in Virginia, so for most residents a compliant major-medical plan is the practical path.
Federal contractors between gigs and recent retirees from government service are two groups we help most here—both often lose coverage on short notice and need something in place fast. In Virginia I focus on private and off-exchange health plans plus life and disability coverage, and help you weigh those options quickly when a job ends.
- Population
- ~8.7 million residents
- Health marketplace
- State-Based Exchange
- Open Enrollment
- November 1 – January 15
- Short-term plans
- Tightly restricted
- Licensed agent
- Liam is personally licensed in Virginia.
- Major employers
- Sentara Health, Capital One, Booz Allen Hamilton, Huntington Ingalls, the federal government
Good to know
In Virginia, I focus on private and off-exchange health plans, life, and disability coverage—I don’t enroll clients through the Virginia's Insurance Marketplace. If a marketplace plan is your best fit, I’ll say so and point you the right way.
Straight talk
Virginia tightly restricts short-term plans, so for most residents a compliant major-medical plan is the practical path.
What we help Virginia residents with
Private & off-exchange health plans
Off-marketplace and private options matched to your doctors and your budget.
Life insurance
Term and permanent coverage sized to what your family would actually need.
Disability & income protection
The coverage most people forget until they can’t work—sorted before you need it.
Self-employed & small business
Coverage built for 1099 income, freelancers, and owners with no HR department.
Why work with a broker licensed in Virginia
Insurance is regulated state by state, and an agent can only legally advise and enroll you if they hold a license in the state where you live. That rule protects you—it means the person recommending a plan actually knows Virginia’s carriers, networks, and marketplace rules rather than guessing from out of state.
Liam is personally licensed in Virginia, so working with Transparent Benefit Solutions in Virginia is fully compliant—and because I’m independent, I compare plans across every carrier available to you instead of pushing one company’s products. My help is free; the carriers pay the commission, and your premium is identical either way.
Licensed in FL, GA, TX, TN, OH, NY, VA, WI, DC.
Nearby areas I serve
I work with clients across Virginia. A few other places I help:
Virginia insurance questions
No. As an independent broker I’m paid by the insurance carriers, not by you, so my help in Virginia is free. Your premium is the same whether you enroll with me or on your own—you just get someone in your corner.
Not in Virginia. Virginia uses the State-Based Exchange (Virginia's Insurance Marketplace), and you can enroll there on your own—but my help in Virginia focuses on private and off-exchange health plans, plus life and disability coverage. If a marketplace plan is genuinely your best option, I’ll tell you that plainly and point you to the exchange.
Open Enrollment for Virginia runs November 1 – January 15. Outside that window you can still enroll if you have a qualifying life event—losing job coverage, moving, marriage, or a new baby—and I can confirm whether you qualify for a Special Enrollment Period.
Absolutely—that’s a big part of who I work with in Virginia. I’ll walk you through private and off-exchange health options along with life and disability coverage that replaces the employer benefits you don’t have.
You call me—not a 1-800 menu. As your broker in Virginia I stay your point of contact after you enroll, so if a claim is denied, a bill looks wrong, or your plan changes at renewal, you have someone who already knows your situation and can help sort it out.
Let's find out what you're actually paying for.
A free 15-minute call, no obligation. Worst case, you learn your current plan is fine.