O'Brien Benefits & Financial Services, Inc.

About Us


Focusing on health and financial wellness

Michael O’Brien founded his brokerage firm more than two decades ago.  Serving hundreds of Individuals and Businesses throughout Virginia, Maryland and the Mid-Atlantic, Michael provides Individual & Group Health, Life, Disability and other supplemental health benefits that focus on health and financial wellness.  Working with dozens of top carriers, he provides completely unbiased approach offering FREE online quotes and is a FREE resource to help clients acquire the best insurance products to fit their needs.

Michael resides in Purcellville, Virginia with his wife – Margey, his son & daughter.   He has been a Local Volunteer Fire Fighter in his community for more than 25 years

Michael helps clients close gaps in health coverage and uses affordable, innovative health solutions to help clients be better prepared for both life’s milestones and unexpected events.  



It is my pleasure to write this recommendation on behalf of Michael O’Brien and O’Brien Benefits & Financial Services. Michael has been the Benefits Consultant for the Town of Purcellville for the past 3 years. He has been very proactive in suggesting enhancements to our current benefit programs, seeking ways to upgrade our plans, yet, being mindful and respectful of our budget constraints. He offers vast knowledge of different benefits plans and providers. He will work tirelessly to find solutions that meet the needs of employees and a company’s budget. Michael sourced and assisted in the implementation of a voluntary benefits program, including attending enrollment meetings. He assisted me in conducting meetings regarding some changes in our health insurance program even though he was not the broker for that plan. Michael is service oriented and responsive and a definite pleasure to work with. I would recommend him highly as an expert in his field.

Tracy DeMonte - Human Resources Officer The Town of Purcellville

Now that my husband and I work exclusively for our small business, we were faced with the overwhelming task of obtaining independent health insurance. Mr. O’Brien was responsive to our questions, honest in his response, and provided detailed information on multiple plan options. His knowledge gave us an advantage in understanding and selecting a family health insurance plan outside of the Health Insurance Exchange that met our growing family’s needs. My family and I are very grateful for his counsel and support.

Patricia G.

I have known Michael professionally and personally for more than 10 years and have always found him to be focused on delivering high value and cost effective products to his clients. Michael provides a high level of honesty and integrity in his business services.


Mr. O’Brien has the ability to create ways for families and businesses to be protected while saving time and money. He is extremely professional and dedicated to serving his Clients. He is constantly expanding his resources and continuing his education in order to provide the highest level of customer service and professionalism. I highly recommend Michael O’Brien both personally and professionally.

Mark Fontaine, CCIM, Senior VP Realty Diversified Services, Inc.

I worked with Mike a few years back regarding insurance needs. He provided great information, was exceptionally through and gave me great advice. I have personally recommended Mike to several folks that I know well. Additionally, Mike has connected me to some great folks that I have also recommended to others. Mike is professional, knowledgeable and detail oriented. Rest assured that Mike will have your best interest in mind when he makes a recommendation. Mike took the time to explain all my options in an objective manner. Essentially, I was able to make a well informed decision. I know I will be doing business again with Mike in the future.

Rob Stark

Mike is motivated professional, is considered a SME in his field, and maintains a strong sense of ethics and integrity.

Timothy Butters - Assistant Fire Chief City of Fairfax Fire Dept

Mike was our insurance agent as we were starting our family. He was extremely helpful in outlining what we needed, what we did not need, and things to consider in the future. He answered the long list of questions that we came with and was extremely helpful. While Mike has moved on in his career and is no longer our agent, I know that I can still call him (and have a a number of occasions) for for advice and explanation whenever I have questions. I recommend Mike without any reservations.

Rob Baltrum

Mike is a professional and very knowledgeable in his field. He will have your best interest in mind when he makes a recommendation. Mike took the time to explain all of my options in an objective manner as well taking care of my parent’s insurance needs. I look to my for advice and new products. Another side of Mike is that he is an avid volunteer firefighter and Chief officer who serves his community unselfishly and provides new firefighters with strong leadership

Berl Jones

Michael brought the expertise needed to move the benefits offered to Town employees to the next level. In a time of pay freezes and cost containment, he helped find ways to minimize costs and maximize the benefits making the Town a leader in the industry. A great partners and asset to our continued success in retaining and hiring top talent.

Greg Wagner

Michael O’Brien was very easy to work with and very knowledgeable of many life insurance policies. When I showed him the policy my wife and I had he told us he could do better. He did more then that. He increased our policy by another hundred thousand dollars and we pay almost twenty dollars less a month for a better policy. He provided outstanding service and always had answers for all our questions. I would recommend him to anyone looking for better rates and coverage.

C.S. Loudoun County Fire & Rescue - Technician

Michael O’Brien and O’Brien Benefits and Financial Services Inc. have been an asset to my family and business. Michael is an very honest, straight forward person. He always recommends what is best for you, your family and business. Whether it is our company and personal health insurance plans, disability insurance, or life insurance, he always finds the best plan for you for the best value. It is a real pleasure and comfort to have OBFS over seeing our insurance needs.

Dr. J. Bollenbeck DVM - Towne Animal Clinic

Could not ask for a better agent! Michael is always available, easy to work with, and extremely knowledgeable. He has always been dedicated to helping me find a plan that works best for me and makes sure I understand all aspects of it. Michael has been my agent since before I graduated college and has continuously provided me with quality advise and information as my needs have changed over the years.

W. Porter DVM

I have worked with Michael for the past year while he has assisted me with my health insurance needs. His customer service is exceptional and I would highly recommend Michael O’Brien to anyone!

Dr. Jennifer Boyle DVM