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The downtown Richmond, Virginia, skyline above the James River rapids

Richmond · Independent city, Virginia

Richmond, Virginia health insurance broker. For families whose kids may get FAMIS.

Free help for Richmond, Virginia, parents whose kids may qualify for Medicaid or FAMIS while the adults need a plan. Not sure who goes where? We compare Marketplace plans for your Richmond ZIP code. We are licensed in Virginia. Virginia runs its own exchange, Virginia's Insurance Marketplace.

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Photo: "Richmond, Virginia Skyline March 2025" by Bdl2001, via Wikimedia Commons, licensed under CC BY 4.0. Cropped, resized, and converted to WebP. Modified from the original.

Questions we hear

One family,
two kinds of coverage?

About 10 in 100 Richmond residents under 65 had no health coverage, the Census Bureau reports. Parents here ask us these.

“Can my kids get coverage even if I don't qualify?”

They may. In Virginia, Medicaid and FAMIS give no-cost coverage to kids who qualify. Kids have their own income rules.

“Do I need two separate forms?”

No. The state's Marketplace says one form can check each person in your family for Medicaid or FAMIS.

“What do the parents pay?”

It depends on your household and pay. Adults who don't get Medicaid may get a tax credit. It lowers the monthly price of a Marketplace plan.

Richmond, VA by the numbers

Virginia's capital
on the James River.

Richmond is the capital of Virginia and sits on the James River. It is an independent city, not part of a county. The Census Bureau provides these figures.

About 229,000

people call Richmond, VA, home in 2020-2024 Census counts.

$64,587

is Richmond's median household income.

About 44 in 100

of Richmond households own their home.

About 35

is the median age of Richmond residents.

About 20 in 100

of Richmond workers do their jobs from home.

About 10 in 100

of Richmond residents younger than 65 were uninsured.

About 8 in 100

of Richmond adults 19-64 relied only on a self-bought plan.

Source for Richmond, Virginia: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B01003, B19013, B25003, B01002, B08301, B27010). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

Family help
in Richmond.

We go one person at a time. First we see who might get Medicaid or FAMIS. Then we line up Virginia plans from more than one insurer for everyone else.

Different coverage can mean different doctor lists. We check that each child's doctor and each parent's doctor take the coverage that person will have.

If a parent has a plan at work, we look at both choices for the kids: the job plan or FAMIS.

Richmond plans each work with their own doctors and hospitals. We check the ones your family uses.

  • Help for families with kids and parents on different coverage
  • Licensed in 20 U.S. states · Agent NPN 20986580
  • You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

How it works

Three steps
for the whole family.

Who lives with you

Each person's age, and who files taxes.

Your 2027 income

Your household's closest estimate.

Coverage by person

Kids' programs and adult plans, side by side.

Book a 15-minute call
Free · No obligation · About a 15-minute call

What you get

Everyone covered,
each the right way.

You'll know which coverage fits each person in your home. After our call, you'll have:

  • A check of Medicaid or FAMIS for each child
  • Virginia Marketplace plans for the adults in your Richmond ZIP code
  • Each person's doctors, looked up in their coverage
  • December 31, 2026, as the day to enroll for a January 1, 2027 start

Straight answers

Richmond health insurance questions.

When is 2027 open enrollment in Virginia?

Virginia runs its own exchange, Virginia's Insurance Marketplace. As of October 30, 2026, it lists 2027 open enrollment as November 1, 2026, through January 29, 2027. Virginia sets its own enrollment dates through Virginia's Insurance Marketplace. Confirm them at Marketplace.Virginia.gov before you enroll. Its help center says December 31 is the deadline for coverage that begins January 1.

Did Virginia expand Medicaid?

Yes. As of October 30, 2026, KFF lists Virginia as adopting the ACA Medicaid expansion, starting January 1, 2019. Cover Virginia has details on Medicaid and FAMIS.

What is FAMIS?

FAMIS is short for Family Access to Medical Insurance Security. Along with Medicaid, it gives no-cost coverage to Virginia kids who qualify.

Is this page for Richmond, Virginia?

Yes. It's for Richmond, Virginia, the state capital. Richmond is an independent city, so it is not part of any county.

Can my child have FAMIS while I have a Marketplace plan?

Yes, if your child qualifies. Many families have kids on one kind of coverage and adults on another.

Who runs Virginia's Insurance Marketplace?

Virginia's Insurance Marketplace is the state's own exchange. The State Corporation Commission oversees it.

What should I bring to the call?

Your ZIP code, each person's age, recent pay stubs, and the names of your family's doctors.

Does a Virginia plan cover emergency care away from home?

Under current law, Marketplace plans cover emergency care anywhere in the U.S. For regular visits, use doctors in your plan's network.

More help

How much is family health insurance? Family health insurance mistakes Health insurance for self-employed families All areas we serve

Open enrollment starts November 1

Comparing plans in Richmond, VA?

Sort out coverage for each family member on a free 15-minute call, or start a quote online. No pressure.

Book a 15-minute callGet a quote online

By the Daniels Health Advisors team (agent NPN 20986580). Local facts checked October 30, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not Virginia's Insurance Marketplace, HealthCare.gov, CMS, a state agency, a state insurance department, or an insurance company. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. For tax questions, talk with a tax professional. Official: Marketplace.Virginia.gov. To check an agent's license, contact your state's insurance department. Richmond (independent city), Virginia.