HEALTH INSURANCE
Health Insurance That Protects What Matters Most
Quality coverage for you and your family. Compare plans, understand your options, and get the care you deserve.
Serving VA, MD & DC
Trusted by our clients
100% confidential
Get Your Health Insurance Quote
Affordable Plans
Options that fit your budget
and your needs.
Wide Network
Access to top doctors, hospitals
and medications.
Flexible Coverage
Plans for individuals, families
and every stage of life.
Expert Guidance
We help you choose the right plan
without the confusion.
Find the Right Plan for You
We offer a variety of health insurance options to fit your needs and lifestyle.
Individual Health Insurance Plans
Flexible coverage designed for one person.
Individual health insurance plans provide coverage for one person and can include benefits such as doctor visits, preventive care, prescriptions, hospital services, and other covered medical expenses. Available benefits, provider networks, deductibles, and costs vary by plan and insurer.
An individual health plan may be a good fit if you want to:
- Choose coverage based on your own healthcare needs
- Compare different deductibles, copays, and premiums
- Access preventive and routine medical care
- Select from available provider networks
- Find coverage outside an employer-sponsored plan
You compare available health plans based on premiums, deductibles, provider networks, covered services, and prescription benefits. Once enrolled, you use the plan according to its coverage rules, cost-sharing requirements, and network guidelines.
Best for
Individuals who need health insurance for themselves and want to compare available coverage options based on budget, doctors, medications, and expected healthcare needs.
Family Health Insurance Plans
Coverage designed to protect your whole family.
Family health insurance plans can provide coverage for multiple family members under one policy. Depending on the plan, coverage may include preventive care, doctor visits, prescriptions, hospital services, pediatric care, and other eligible medical expenses.
A family health plan may be a good fit if you want to:
- Cover multiple family members under one plan
- Access preventive and routine care for adults and children
- Compare family deductibles and out-of-pocket limits
- Choose a provider network that works for your household
- Manage healthcare coverage in one policy
You select a plan based on your family’s healthcare needs, preferred doctors, medications, premiums, deductibles, and provider network. Family plans may include individual and family cost-sharing limits, depending on the specific policy.
Best for
Couples, parents, and households looking for one health insurance plan that can cover multiple eligible family members.
Health Insurance Marketplace Plans
Compare ACA-compliant coverage and available savings.
Marketplace health insurance plans are individual and family plans available through the Health Insurance Marketplace. These plans generally include essential health benefits and may offer premium tax credits or other savings for eligible applicants, depending on household income and other factors.
A Marketplace plan may be a good fit if you want to:
- Compare ACA-compliant health insurance options
- Check whether you qualify for premium savings
- Choose coverage for yourself or your family
- Compare premiums, deductibles, and provider networks
- Enroll during Open Enrollment or after a qualifying life event
You compare available Marketplace plans based on your household information, location, healthcare needs, and budget. If eligible, financial assistance may reduce your monthly premium or other costs. Enrollment rules and available plans depend on your circumstances and location.
Best for
Individuals and families who do not have suitable employer-sponsored coverage and want to compare ACA Marketplace plans and potential financial assistance.
Supplemental Health Insurance Plans
Extra protection for costs your primary health plan may not fully cover.
Supplemental health insurance can provide additional financial protection alongside your primary health coverage. Depending on the policy, benefits may help with certain out-of-pocket expenses, specified medical events, or other covered costs.
A supplemental health plan may be useful if you want to:
- Add extra protection beyond your primary health insurance
- Help manage certain out-of-pocket medical costs
- Prepare for unexpected covered health events
- Choose additional benefits based on your needs
- Reduce the financial impact of certain medical expenses
Supplemental policies are designed to work alongside primary health insurance. Benefits, eligibility, waiting periods, exclusions, and payment structures vary by policy and insurer. Some plans may pay fixed benefits for specific covered events or services.
Best for
Individuals and families who already have primary health insurance but want additional financial protection for certain healthcare-related expenses.
Simple. Straightforward. Reliable.
Choose a Plan
Compare plans and select the coverage that fits your needs and budget.
Pay Your Premium
Pay a regular premium to keep your health insurance active.
Get Care
Visit your doctor, get treatments, and access the services you need.
We've Got You Covered
Your plan helps pay for covered services so you can focus on getting better.
Understanding these key terms can help
you make confident decisions.
What you pay out-of-pocket before your insurance starts to pay.
A fixed amount you pay for a covered healthcare service.
The most you’ll pay in a year for covered services.
More Than Just a Policy
We know the needs of individuals and families in VA, MD & DC.
We take time to understand your needs and find the right coverage.
We work with top-rated
insurance carriers to offer quality plans.
Our clients trust us for responsive
communication and long-term support.
Frequently Asked Questions
How do I choose the right health insurance plan for me or my family?
The right health insurance plan depends on your expected medical needs, budget, preferred doctors, prescription medications, and how much you are comfortable paying out of pocket. When comparing plans, look beyond the monthly premium and review the deductible, copays, coinsurance, out-of-pocket maximum, provider network, and prescription coverage. Caspi Insurance Agency can help you compare health insurance options based on your needs.
When can I enroll in health insurance in Virginia?
Virginia residents can generally enroll in Marketplace health insurance during the annual Open Enrollment Period. Outside that period, you may still qualify for a Special Enrollment Period after certain life events, such as losing qualifying coverage, getting married, having a baby, or moving. You can schedule a health insurance consultation if you need help understanding your enrollment options.
Can I qualify for financial help with health insurance in Virginia?
Depending on your household income and other eligibility factors, you may qualify for financial assistance when purchasing coverage through Virginia’s Insurance Marketplace. The Marketplace is the official place for eligible Virginians to access premium tax credits and certain cost-sharing reductions. You can explore our health insurance resources to learn more before choosing a plan.
What is the difference between a premium, deductible, copay, and coinsurance?
Your health insurance premium is the amount you pay to keep your policy active. A deductible is the amount you generally pay for covered services before certain plan benefits begin to pay. A copay is a fixed amount you may pay for a covered service, while coinsurance is a percentage of the allowed cost that you may pay. Understanding these costs can help you compare the total value of different health plans.
How can I check whether my doctors and prescriptions are covered?
Before enrolling, review the plan’s provider network and drug formulary to confirm that your preferred doctors, hospitals, specialists, and prescription medications are covered. Networks and formularies can vary between plans and may change over time, so you should verify current information directly with the insurer. Caspi Insurance Agency can help you review available health plans when comparing your options.
How can Caspi Insurance Agency help me find health insurance?
Caspi Insurance Agency can help you review your coverage needs, compare available plan options, and understand important differences in costs and benefits. We can also help explain factors such as deductibles, provider networks, prescription coverage, and enrollment options. You can request a health insurance consultation to discuss your situation with our team.
Still Have Questions About Health Insurance?
Our local experts are ready to help you find the right coverage for you and your family.