Open Enrollment starts November 1st

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 your info and review the 2021 plan options because a lot is changing. 

You could owe back in taxes if you dont 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

We are offering a discounted rate if you schedule early.  $15 for a 30 minute enrollment appointment with an option to add more time if you think you need it.  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. 

Pandemic Bullet points

Team Viles hopes you are keeping your head up and hands washed during these uncertain times. We want you to know that we are still here to help you with all of your insurance needs. We are juggling working while parenting so please be patient with us. Email is the best way to communicate.

– If you have marketplace coverage you can lower your price by lowering your income estimate for 2020. Make sure you calculate with unemployment income. We are not certain on how future stimulus payments will affect if or what you’ll owe back when you do 2020 taxes. (If you make more than your estimate you may owe back on your taxes)

– If you are losing employer insurance you have 60 days from the loss of coverage to sign up for insurance. We can help you navigate this.

– If you haven’t had insurance for a while you can apply for medicaid anytime at

– Anthem and many other companies are offering Telehealth for free when you use their app. This also includes Mental health visits. Get in touch if you hit any snags with obtaining this.

– Use for cheaper prescriptions outside of insurance. Use whether you have insurance or not.

– Contact Mary to see if she can save you money on your auto, homeowners, renters insurance. She can often find people huge savings for the same or even better coverage. If she can’t find you a better rate you just keep what you have. It never hurts to look and it may be a way to immediately lower your bills.

Please reach out to us and let us know if there is anything we can do for you or anyone you know.

Auto-Renewing may cost you.

A lot of clients tend to let their plans auto renew each year or every other year. Probably because the whole process is a pain in the butt. This year you will want to shop around.

Most people had Cigna in the Richmond area. In 2020 Cigna is not the cheapest option this year. Anthem has the Cheapest 4 bronze plans and the Cheapest 3 silver plans. Anthem actually has a GOLD plan that is cheaper than most of the other silvers.

(You should only get that gold plan if you DONT get a Cost Share Reduction)

Main takeaway is that you could be saving money for a very similar plan or depending on your situation a much better plan with Anthem. A bit of info on anthem plans below.

Anthem plans on exchange:

  • Statewide network. Cigna’s network is just in the areas its available to buy.
  • No referrals to see specialist. Cigna requires referrals.
  • Full price for urgent care with most plans. Most Cigna plans have an Urgent Care copay making those visits cheaper.

Everyone’s situation is different and there are many people the Cigna Plans are the best fit. Make an appointment so we can help you figure it out.

Going Independent!

I quit my job!

Not that it changes anything for all of my individual clients, but I have resigned from my other duties with Towne Benefits. This will give me more time to concentrate on helping you with your ACA benefits. I plan to add a ton more information to this site. Including videos of me explaining how to best apply and use your benefits. I am going to be more vocal about the ridiculousness of the industry.  I just started a business instagram @vilesinsurance follow me there if want that kind of info.
I plan to branch out in other ways in 2020. Only up from here.  Stay tuned…

“Group” Health Insurance still better than individual market with no tax credit.

The group health insurance market is where you want be if you qualify.  It used to be that you needed at least one common law employee that wasn’t your spouse.  Since a law change in July of 2018 single owners and self employed people have access to this market.    

Compared to the individual market options WITHOUT a tax credit:

  • Plans are cheaper
  • Have better networks
  • Lower deductibles
  • Specialist copays
  • 4 different companies with 300+ options to choose from
  • I generally save people $40-$100/ month per person.

In order to qualify you must be self employed or the owner of a business.  As long as you have a previous years Schedule C (Profit and Loss for a business).

Q1 Richmond region plans  <–  Click here for benefits and rates for a few of my favorite plans.   Contact me to get set up.

Income limits for E X P A N D E D Medicaid

The numbers below are the income limits for 138% of the Federal Poverty Level Chart.   The is the line that separates Medicaid from the plans on the marketplace with the ACA.   If your gross income is below these numbers you will most likely be eligible for medicaid.  If its above, you may be able to get a tax credit to help paying for health insurance through the ACA.

Medicaid has requirements other than income and they will ultimately determine whether you qualify or not.

Link to full chart – 2019 FPL chart and FAMIS Income Limits

This chart below is the income limits for a child to qualify for Medicaid.

Self employed people can access the group market as of 7/1!

Virginia changed a law that gives self employed people the option to sign up for group health insurance!!! This is great for people that currently get no premium tax credits and file a Schedule C “Profit and Loss”

Pro’s –
Rates are cheaper or equal to individual rates
More options. Multiple companies. 200+ plans.
Better networks that include all local hospitals.
HSA eligible plans available.

Anyone in Charlottesville can save $1000’s of dollars with these group rates over what they have now in the individual market.

Reach out if you want to look at these options.