15 Years Helping People Choose Coverage Confidently
We're an independent agency — not tied to any one carrier — so our advisors recommend what actually fits your life, your family, and your business.
We started Commonwealth Care Virginia because health insurance should never be this hard.
In 2010, our founder watched his sister — a self-employed graphic designer in her early 30s — spend three weeks trying to understand her health insurance options after losing her job. Three weeks. Dozens of confusing websites, conflicting information, and zero guidance from people who actually understood the system.
She eventually gave up and went uninsured for eight months. Four months later, she was in the emergency room with appendicitis. The bill was $34,000.
That's the story that built Commonwealth Care Virginia. We created this agency because navigating health insurance is genuinely difficult — and it shouldn't require a law degree to understand your options.
What makes us different
To make quality health coverage accessible, understandable, and affordable for every American — individual, family, or business — through honest, expert guidance and a service that costs you nothing.
Our values
Licenses & credentials
Commonwealth Care Virginia is licensed to sell health, dental, vision, life, and supplemental insurance in all 50 states. Our agents are appointed with all major carriers including:
We Work for You,
Not the Insurance Company
As an independent agency, we represent you — not any single carrier. That means unbiased advice, transparent recommendations, and plans chosen to serve your best interest.
100% Independent & Unbiased
We're not owned by any insurance company. We shop across 50+ carriers to find your best match — no hidden agendas, no preferred plans.
Our Service is Free to You
Carriers pay us when you enroll, so our advice and plan comparisons cost you absolutely nothing. You pay the same — or less — than buying direct.
A Dedicated Agent for Life
Your personal Commonwealth Care Virginia advisor stays with you year over year — reviewing your plan, handling claims issues, and being there when life changes.
Fast, Simple Enrollment
Most clients are enrolled within 48 hours. Our streamlined digital process means no stacks of paperwork and no waiting weeks for coverage to begin.
From the Tidewater to the Blue Ridge.
Three Virginians whose coverage actually fits their lives.
I am a cleared federal contractor in Reston. My FEHB options changed when I left the agency, and three brokers tried to sell me junk. Commonwealth Care actually compared FEHB to a CareFirst marketplace plan side by side and showed me why the marketplace plan won for my family's situation. No pressure, just math.
Daniel R.Federal Contractor · Reston, NOVA
My husband is active duty at Oceana. TRICARE covers most things, but our two kids needed dental and I needed coverage during a gap while I started a civilian job. Our advisor knew the TRICARE rules cold and layered a private supplement that did not double-pay for anything. That kind of knowledge is rare.
Brittany H.Military Spouse · Virginia Beach
I run a HVAC shop with eight employees in Roanoke. Anthem and Optima both quoted us, and on paper Anthem looked cheaper — but our crew's primary care doctors were not in the network. Commonwealth Care caught that before we signed. We went with Optima and nobody had to change doctors.
Marcus T.Small Business Owner · Roanoke