Free. No Pressure. Just Answers.

Contact Your Virginia Insurance Broker

One conversation is usually all it takes. Tell me your situation and I'll compare plans, calculate your savings, and give you a clear recommendation.

Get in Touch

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Call or Text 757-991-9290 Fastest way to reach me
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Social Media @thebrokersays on Instagram, TikTok & Threads
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Service Area All of Virginia — Hampton Roads, Northern Virginia, Richmond, Roanoke, and statewide
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Response Time Same-day response Monday–Friday, usually within a few hours
No catch. No sales pressure. I'm paid by the insurance company, not you. My job is to find you the right plan, not the most expensive one.

Send a Message

Your information is never shared. No spam, ever.

Quick Start

Tell Me Your Situation — I'll Respond Today

No need to jump on a call right now. Fill this out in 60 seconds and I'll reach out by WhatsApp or text with your options — no pressure, no insurance jargon.

⚡ Save Time — Optional but Recommended

If you've had a Virginia Health Insurance Marketplace plan before, you can add me as your agent in 2 minutes — so we're ready to go the moment we connect:

  1. Log into your account at enroll.marketplace.virginia.gov
  2. On your Member Dashboard, click "Your Agent" in the top right corner
  3. If you have a previous agent, click "De-designate Agent" to remove them first
  4. Search for your new agent by name: Natalie Ramos and ZIP code: 23462
  5. Select me — done!

First time on the Marketplace? Skip this step — we'll handle it together.

Your information is private and never shared. I respond the same business day.

Get a Head Start

Do This Before Our Call — It Makes Everything Faster

If you found this website, you can do this. Starting your Marketplace application before we talk means we spend our time together getting you the best plan — not filling out basic information. It also protects you: one wrong answer on the application can mean owing money back at tax time. I'll review everything with you before anything is submitted.

1

Create Your Virginia Marketplace Account

Go to enroll.marketplace.virginia.gov and click "Create Account." You'll need your name, date of birth, Social Security Number, and address.

Start at Virginia Marketplace →
2

Fill Out the Application Questions

Answer what you can — household size, income, current coverage. Don't worry about getting it perfect. That's exactly what I'm here for. We'll go through every number together before anything is finalized.

3

We Review It Together

Once you fill out the form above and I reach out, we go through your application line by line. I'll catch anything that could cause a premium tax credit repayment at tax time and make sure your quote reflects your real situation — so there are no surprises.

⚠️ Why this matters: If you report your income too low or make a household error on the application, you may receive a higher subsidy than you qualify for — and have to pay the difference back when you file your taxes. Getting the numbers right from the start protects your refund.