Viles Insurance

Open Enrollment is happening now! Nov. 1st – Dec. 15th.

This is the time that you should to update your info and choose a plan for 2021. You might get a letter from your insurance company that says you don’t need to do anything and they’ll auto renew your plan. We highly recommend that you update all of your info and review the 2021 plan options because a lot is changing. 

You could owe back in taxes if you don’t update your estimated income and the plan you auto renew into may be much more expensive than other similar options.

This is also the time anyone can sign up.

After December 15th you can only sign up if you have a “Qualifying Life Event

Please look over this page to see if you may qualify for medicaid. If you qualify, you dont need to schedule an appointment, you should apply with medicaid.

If you are currently enrolled medicaid you just need to make sure you are reading all mail from them carefully. Make sure to fill out your renewal when it comes. Your medicaid renewal does not alway coincide with the ACA open enrollment. They are NOT canceling most peoples medicaid during the pandemic so most likely you will be able to stay on medicaid even if your income increases but be sure to update them if it does. Send me an email if you have any questions.


We are offering discounted rates if you schedule early.  I am doing $15 for a 30 minute enrollment appointment with an option to add more time if you think you need it.  Mary is only doing hour long appointments for $30. That small fee gets you a years worth of help from us.  Check out our scope of services to see the many ways we help our clients year round. As always, contact us if you have any questions or concerns. 

Please Click Here for my most recent pandemic bullet points

About us

We are Independent Insurance Brokers working with all the major insurance companies in Virginia. For the past 7 years my wife and I have helped thousands of people understand how to best mitigate their financial risk. We specialize in all types of insurance and are happy to share our knowledge. Give us a call.

Heads up! Because of the pandemic, and homeschooling being our best option, we are not able to work as many hours as we used to. We think timely responses to questions and problems from clients is one of out strong suits, and we take that seriously. We tend to get back to clients that day or the next if were backed up. Thank you for your patience

Viles Insurance hours of operation: Tuesday – Saturday

Josh | 9am – 1pm

Mary | 1pm – 6pm

How to prepare for our appointment

To get the most out of our meeting please have the following information together

  • Names, dates of birth, and social security numbers for everyone applying for coverage.

  • MOST IMPORTANT!! Your household’s estimated income for 2021. Your household includes everyone you pay taxes with – even if not every person in the household is applying for coverage. HERE is a link with useful information on how to predict that income.

Estimating your income for 2021 may be difficult. Don’t stress – we will help you estimate and adjust throughout the year if needed. We just ask that you spend a few minutes before our appointment thinking about it and gathering anything that may help make the estimation – pay stubs, last year’s income info, etc.

  • If your employer offers health coverage please have information about the plans they offer, the prices, as well as when you can enroll in them (your employer’s open enrollment period may be different than the Marketplace.)

  • Please have a list of any medicines you take, and/or doctors that you can not do without.

  • The plans on the Marketplace cover everything except dental and vision. You can buy standalone products for dental and vision any month of the year. Because of time constraints we will not be thoroughly discussing dental and vision products. HERE is a link to some information that may be useful in searching for these products. I’d be happy to set a dental appointment for after open enrollment.

  • We may email you things to look over, so it may be handy to have a computer or to be able to pull up things on your phone.

Talk to you soon!

Blog