Why Local Health Insurance Advice Beats Going It Alone in Hampton Roads

When it comes to health insurance, it can feel like you’re navigating a maze with no clear exit. Between Marketplace plans, private carriers, rising costs, and confusing fine print, most people in Hampton Roads don’t know where to start.

That’s where having a local advisor you can trust makes all the difference.

I’m Jason Ruhlman, a Health Plan Advisor based right here in Chesapeake. I work with over 100 health insurance companies to find the right plan for your situation — and I don’t just leave you with a stack of options. I walk you through them, explain what matters, and help you choose a plan that truly fits your needs and your budget.

The Problem with Going It Alone

When people try to shop for insurance on their own, they run into the same headaches:

• Marketplace confusion: Higher premiums in 2025, limited coverage options, and hard-to-read plan details.

• Wasted time: Hours spent comparing plans online, only to feel more overwhelmed.

• Missed savings: Without someone who knows the private market, you could easily pay hundreds more per year than you need to.

  
  

And worst of all — when you pick a plan that doesn’t really fit, you’re stuck until the next enrollment period.

Why Local Matters in Hampton Roads

There are national call centers and online portals that promise “help,” but here’s the reality:

• They don’t know Hampton Roads.

• They won’t sit across from you in Chesapeake, Norfolk, or Virginia Beach to explain your options.

• They won’t take the time to understand your family, your business, or your lifestyle.

  
  

That’s where I’m different. As a local health plan advisor, I’ve helped people all over Hampton Roads — small business owners in Norfolk, freelancers in Virginia Beach, and transitioning military spouses in Chesapeake — find coverage that works for them.

Private Market Advantage

You don’t have to rely on the Marketplace. Private market plans often provide:

• More affordable premiums than what you’d find online.

• Better tailored coverage for individuals, families, and business owners.

• Flexibility for freelancers, contractors, and those with changing life circumstances.

  
  

Because I work with over 100 insurance companies, I can match you with options you likely won’t see on your own.

The Human Side of Health Insurance

Choosing health insurance isn’t just about numbers. It’s about peace of mind.

When you sit down with me, I’ll listen to what’s stressing you out about health coverage.

Whether it’s losing Tricare, running a small business, or working for yourself, my job is to take that burden off your shoulders.

Health insurance doesn’t have to feel like a gamble. With the right local health insurance advice, you can feel confident that you and your family are protected.

Ready to Stop Guessing? Let’s Talk.

If you live in Hampton Roads and you’re tired of feeling overwhelmed by health insurance, I’d love to help. I make the process simple, clear, and affordable — and I’m right here in your community when you need me.

Let’s find the coverage that actually works for you.