Affordable Care Act
ObamaCare (ACA) enrollment assistance
Personal help for individuals, families and businesses finding the right health plan for their needs and budget — and the enrollment help is free.
Latest updates · November 2026
What's changed for Virginia
New: Virginia Premium Savings for 2027
Virginia set aside $150 million to lower Marketplace premiums. Some eligible residents may pay $0 a month. Found coverage too expensive before? Check again.
Open Enrollment for 2027 coverage
Virginia's Marketplace open enrollment runs November 1, 2026 – January 29, 2027. Apply early so coverage can start January 1.
The extra federal subsidies ended
The enhanced premium tax credits expired at the end of 2025. The original ACA tax credit still exists, but many families now get less help.
Noncitizen eligibility is narrowing
Federal law changes who can get financial help and Medicaid. Some lawfully present immigrants lose help in 2026 and 2027.
New for 2027: Virginia Premium Savings
- Created by the new Virginia Health Insurance Affordability Fund. The state set aside $150 million and estimates up to 200,000 Virginians could benefit.
- Generally for incomes between 138% and 250% of the federal poverty level — about $22,025–$39,900 for one person, or $45,540–$82,500 for a family of four.
- Adds to federal premium tax credits. Some people who can't get the federal credit may still qualify for state savings.
- Some eligible residents may qualify for a $0 monthly premium. A $0 premium can still have deductibles and copays.
- Funding is first-come, first-served, and the Marketplace decides who qualifies when you apply.
- Starting January 1, 2027, only citizens, U.S. nationals and certain noncitizens (such as green-card holders) can get the federal tax credit. Other lawfully present immigrants can still buy a plan and may qualify for Virginia Premium Savings.
- Starting January 2027, some Medicaid expansion adults (ages 19–64) must show 80 hours a month of work, school or volunteering, and coverage is reviewed every 6 months.
Rules change often. Book an appointment and we'll check exactly what you qualify for. Official site: Virginia's Insurance Marketplace.
How we help
Our ACA services
Plan selection
Choosing between Bronze, Silver, Gold and Platinum plans.
Eligibility check
Finding the tax credits and savings that lower your premiums.
Enrollment support
Step-by-step help so your application is accurate and on time.
Renewals
Updating coverage when your income or household changes.
Special enrollment
Help enrolling outside open enrollment after a life event.
Tax reconciliation
Your Form 1095-A handled correctly on your tax return.
Consent
ACA consent form
Your health coverage is handled by Wubeshet Mehari and Wasyihun Workneh. This form gives them your permission to work on your Marketplace enrollment and to send your details to the Marketplace and insurers. It takes about a minute, and there is no charge.
Check what you qualify for
Free, friendly help from certified marketplace agents.
Prefer to talk? Call (703) 595-4595 or (703) 344-3749.