Leahy Consulting Services works with Individuals to develop strategies to reduce what you pay in insurance premiums and taxes, while securing the appropriate level of coverage to meet your needs and budget.

When key parts of health care reform, the Patient Protection and Affordable Care Act (PPACA), take effect on January 1, 2014; there will be a new way to purchase health insurance through what many call Exchanges and are now being referred to as Marketplaces.

It will be more important than ever to seek guidance on what health insurance coverage is best for you and your family.

How does PPACA affect you?

  • In Virginia, the Marketplace will be a Federally Facilitated Marketplace, which means the Federal government is largely responsible for and oversees its operations
  • You can purchase insurance through the Marketplace "ON Marketplace"
    • Note "ON Marketplace" is the only way to access a Federal Subsidy, reducing your premium obligation, you may also qualify for claim payment subsidies; if eligible

    Click here to see if you may qualify for a subsidy

  • You can purchase insurance outside the Marketplace "Off Marketplace"

  • Provider Networks and Benefit Design are critical in making your selection
  • Qualified High Deductible Plans (HSA Compatible) are still available ON and OFF Marketplace

    • 2014 Contribution limit for a family is $6,550 ($3,300 for an individual)

Please contact us to discuss your specific needs and we will help you select the plan and carrier that is best for you. Below are links to some of the health insurance carriers that are offering PPACA Compliant Plans in the Virginia Marketplace. You can review and compare plans and submit an application through these links.

Carrier links for Individual Policies:


Note in this context Individual means: people buying health insurance independently and not through their employer, regardless of how many people are covered, be it a single person, a couple or a family, it is still referenced as an Individual policy.

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