Health Insurance Under 65 in Bedford, VA

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Based in Bedford. Serving Virginia with Health Insurance Guidance Under 65.

Clear, local help for individuals and families who need health insurance coverage before Medicare eligibility.


If you do not have employer-sponsored coverage, are self-employed, insuring college-age children, or between jobs, Croft Insurance Services, Inc. provides guidance from our Bedford office and serves clients throughout Lynchburg, Roanoke, Smith Mountain Lake, and surrounding Virginia communities.


As a health insurance agent in Bedford, VA, we help you understand your options, compare plans, and enroll with confidence.

Health Insurance Options Under 65

If you are not yet eligible for Medicare, there are two primary paths for individual coverage: ACA Marketplace plans and private individual health insurance.


We help you determine which enrollment path fits your situation based on income, household size, employment status, and healthcare needs.


Choosing coverage without guidance can feel overwhelming. We simplify the process and explain your options clearly before you enroll.

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ACA Marketplace Health Insurance

Marketplace health insurance, sometimes called Obamacare, is available through the Health Insurance Marketplace and may include premium tax credits based on your income.


We help you compare available plans, understand deductible and network structures, and complete your enrollment accurately.



If you would like more details about Marketplace coverage, visit our dedicated ACA page.

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Special Enrollment Periods

Health insurance enrollment is often tied to specific timeframes. However, certain life events may allow you to enroll outside the annual Open Enrollment Period.


If you have recently lost employer coverage, moved, gotten married, had a baby, or experienced another qualifying life event, you may be eligible for a Special Enrollment Period.



If you are unsure whether you qualify to enroll now, we can review your eligibility and next steps.

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Individual Health Insurance for the Self-Employed and Families

If you are self-employed, working without employer benefits, or purchasing coverage for your family, we help you compare available individual health insurance options in Virginia.


We review premiums, deductibles, provider networks, and prescription coverage so you understand how your plan works before committing.



If you want more detail about non-employer coverage options, visit our Individual Health Insurance page.

Schedule a Consultation with Our Team



If you would prefer to review your health insurance options in a scheduled appointment, you can book directly with one of our licensed agents.



During your consultation, we review your household size, income estimate, provider preferences, prescription needs, and enrollment timeline. We then compare available plans so you can move forward with clarity.

  • Melody Key

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    President & Broker


    Specializes in Medicare and health insurance guidance with year-round client support.

    Schedule with Melody

  • Les Plymale

    A person with white hair and a beard wearing a light blue and white checkered shirt, seated in a blue chair.

    Vice President, Broker & Registered Social Security Analyst


    Provides Medicare enrollment coordination and structured benefit guidance.

    Schedule with Les

  • Ann Ogden

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    Insurance Broker


    Assists clients with Medicare plan comparisons and enrollment support.

    Schedule with Ann
Explore Your Options Today

Work with a Local Health Insurance Agent in Bedford, VA

Croft Insurance Services, Inc. is based in Bedford and serves clients throughout Lynchburg, Roanoke, Smith Mountain Lake, and surrounding Virginia communities.


We are not a national call center. We are a local office you can call directly for help before and after enrollment. If you are asking, “How do I get health insurance in Virginia?” the fastest next step is to speak with our team.