Affordable Care Act coverage

ACA Marketplace plans in West Virginia and Virginia

Find out whether you may qualify for premium assistance and compare Marketplace plans built around your household and healthcare needs.

Free local guidance

Find the right coverage

A licensed Songer advisor will respond personally.

Private • No obligation • Local support

Subsidy eligibility guidance
Special Enrollment Period review
Plan and provider comparison
Coverage built around real life

Look beyond the monthly premium.

A useful health plan should make sense for your household, doctors, prescriptions and budget. We help you compare Marketplace and private options in plain language.

Understand total cost

Compare deductibles, copays, coinsurance and maximum out-of-pocket limits—not only the premium.

Use the right enrollment path

Review Marketplace assistance, enrollment timing and private-market alternatives when appropriate.

Common questions

Start with a clear answer.

These are general explanations. A licensed advisor can help you apply them to your specific situation.

Can you compare Marketplace and private options?+

Yes. We look at eligibility, available plan choices, provider needs and total expected cost—not only the monthly premium.

Can I get help outside Open Enrollment?+

Certain life events may create a Special Enrollment Period. We can help you understand the timing and documentation requirements.

Do you serve West Virginia and Virginia?+

We help clients in West Virginia and Virginia by phone or video and at our Beckley office. Available products and plans depend on your location.

Local help when you are ready

Talk through your options with Songer Insurance.

No call center. No pressure. Just clear guidance from a licensed local team for individuals and families.

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