Peace of Mind Starts Here
From ACA to Medicare to retirement planning, we cover every chapter of your insurance story — and use modern tools to decode the fine print, so you actually understand what you’re buying.
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ACA (Virginia) Marketplace Plan Guidance
Medicare Advantage Plan Guidance
Medicare Supplement Plan Guidance
Life Insurance
Easy to Understand
Local · Virginia Beach
Independent Agent
ACA (Virginia) Marketplace Plan Guidance
Medicare Advantage Plan Guidance
Medicare Supplement Plan Guidance
Life Insurance
Easy to Understand
Local · Virginia Beach
Independent Agent
ACA (Virginia) Marketplace Plan Guidance
Medicare Advantage Plan Guidance
Medicare Supplement Plan Guidance
Life Insurance
Easy to Understand
Local · Virginia Beach
Independent Agent
ACA (Virginia) Marketplace Plan Guidance
Medicare Advantage Plan Guidance
Medicare Supplement Plan Guidance
Life Insurance
Easy to Understand
Local · Virginia Beach
Independent Agent
Find a Marketplace plan that fits your family — explained in easy-to-understand terms, with help every step of the way.
Turning 65 or already enrolled? Sort through Advantage, Supplement, and Part D — without the jargon.
Protect what matters most. Term, whole, or final expense — coverage that fits your stage of life.
Insurance shouldn’t feel like reading a foreign language. We started Janowski Insurance Services to be the kind of agents we’d want for our own family — local, independent, and willing to actually explain what you’re buying. We’re Matt and Jen, and we’re here in Virginia Beach, helping families across Hampton Roads — including Norfolk, Chesapeake, Portsmouth, Suffolk, Hampton, and Newport News — with Individual Health, Medicare Plans, and Life Insurance.
Book a free call, message us, or chat with our AI assistant any time. Tell us what’s on your mind — no pressure, no obligation.
STEP - 01
We shop multiple carriers, narrow it to the best fit, and explain trade-offs in easy-to-understand terms. You make the call — we make sure you understand it.
STEP - 02
We handle the paperwork. Once you’re enrolled, we’re your point of contact for renewals, plan reviews, and life changes — for years to come. Claims and policy administration go through the carrier, but we’ll help you navigate the process.
STEP - 03We’re building tools that turn the most confusing parts of insurance — policy PDFs, plan comparisons, jargon — into something anyone can understand. Free to use, with more launching every month.
Drop a Summary of Benefits PDF — we’ll explain what’s covered, what’s not, and what your real costs look like, in easy-to-understand terms.
“Insurance shouldn’t need a translator. So we built one.”
The questions we hear most from people shopping for ACA, Medicare, and life insurance — answered in easy-to-understand terms.
What question or topic would you like assistance with today?
Nothing. Carriers pay our commission, not you. The same plan costs the same whether you enroll yourself or with our help — and we add the benefit of comparing across multiple carriers, explaining trade-offs in easy-to-understand terms, and being your point of contact when you need someone.
We carry contracts with multiple carriers across ACA, Medicare, and Life Insurance. Different lines have different carrier panels — for the most current list relevant to your situation, just ask. We’ll only quote plans we can actually sell you.
ACA Marketplace: November 1 – January 15 each year (Virginia uses its own state-based exchange).
Medicare Annual Enrollment: October 15 – December 7.
Life Insurance: any time, year round.
Outside these windows, Special Enrollment Periods open for qualifying life events — job loss, marriage, new baby, or moving.
If your household income is roughly 100–400%+ of the Federal Poverty Level (about $32,150–$128,600 for a family of four in 2026), you likely qualify for premium tax credits. Households at 100–250% of FPL also qualify for cost-sharing reductions on Silver plans. We figure this out for you in about five minutes — no commitment.
Either works. Call (518) 258-4226 directly, or schedule a time that works for you. For Medicare specifically, federal rules require a Scope of Appointment form before we can discuss specific plans — we’ll walk you through that part.
Free, in-depth guides on ACA, Medicare, and Virginia-specific rules. No fluff, no jargon — just the stuff you actually need to know.
