Health Insurance. Simplified.
Let us help you find the right health plan for you and your family.
If you're looking for health insurance, you've come to the right place.
Our agency represents the top carriers in North Carolina (Blue Cross Blue
Shield of NC, Ambetter, Aetna, UnitedHealthcare, and more!), and we're dedicated to
helping you select an affordable and accurate health insurance plan that
fits your way of life. Our agents are also licensed and authorized to offer certain health plans in Virginia and
South Carolina.
Our health insurance plans are exactly the same price as you would find directly from the carrier. However, our agents are here to help you compare all the options available to you, at no additional cost to you!
In addition to plans offered through the health insurance marketplace, we also offer:
Our health insurance plans are exactly the same price as you would find directly from the carrier. However, our agents are here to help you compare all the options available to you, at no additional cost to you!
In addition to plans offered through the health insurance marketplace, we also offer:
- Off-Exchange (Non-Marketplace) Health Insurance
- Fixed Indemnity Insurance
- Short-Term Medical Plans
- Medicare Advantage & Supplement Plans
Affordable Care Act (ACA)
The Affordable Care Act (ACA), often referred to as Obamacare, provides minimum standards for health insurance policies in the USA and expands coverage to individuals who were previously unable to purchase insurance due to pre-existing conditions.You may be qualified for the government subsidy in the forms of premium tax credit and/or cost sharing benefit, if your total household annual income stays between 100% and 400% of the Federal Poverty Level.
Frequently Asked Questions
It depends! Through the Affordable Care Act (ACA), you may be qualified for a government subsidy
in the forms of a premium tax credit and/or cost sharing benefit, if your total household annual
income stays between 100% and 400% of the Federal Poverty Level.
For some people, their monthly premium could be as low as $0 / month.
For Plan Year 2024, at least the following carriers will be participating in North Carolina for
Under 65
Health Insurance:
- Blue Cross and Blue Shield of North Carolina
- Ambetter
- Oscar
- AetnaCVS
- United Healthcare
- Cigna
Consultations and assistance with enrollment are free of charge. Agency service fees may apply
for
certain non-standard services.
You will need the following information to enroll:
- Every household member's personal information including a 'lawfully present' document, such as a driver's license, social security card, naturalized citizenship certificate, green card, or birth certificate.
- Anticipated annual household income information
- Current medical insurance information
- Current employment information
Yes, there are other options available to you, including Short Term Medical and Off-Exchange
coverage.
During your consultation with our agents, we will help you to assess what options are available
to you.
Your personal healthcare needs – do you already know that you will be needing access to
healthcare throughout the year? Or are you just planning to use your insurance for basic
physical checkups, vaccinations, etc.?
Depending on your needs, you can adjust what kind of coverage you get and how much you spend on it accordingly.
“Metal” category – insurance plans under the Healthcare Marketplace are divided into Bronze, Silver, Gold, and Platinum levels. Each category determines how costs are split between the insurance company and yourself. Your anticipated healthcare needs throughout the year generally help to determine which plan you should get.
Your life situation – income, family, job status, age, and many other factors will affect your options. An agent can help you figure out how they factor into the equation.
Network access – all plans offer varying hospitals, doctors, and facilities that are preferred, or in-network. It's important to consider whether you will be visiting a specific hospital or doctor and whether your plan will cover those visits.
Lastly, costs! – how much can you save on premiums, deductibles, and copays? Our agents can help you compare your options.
Depending on your needs, you can adjust what kind of coverage you get and how much you spend on it accordingly.
“Metal” category – insurance plans under the Healthcare Marketplace are divided into Bronze, Silver, Gold, and Platinum levels. Each category determines how costs are split between the insurance company and yourself. Your anticipated healthcare needs throughout the year generally help to determine which plan you should get.
Your life situation – income, family, job status, age, and many other factors will affect your options. An agent can help you figure out how they factor into the equation.
Network access – all plans offer varying hospitals, doctors, and facilities that are preferred, or in-network. It's important to consider whether you will be visiting a specific hospital or doctor and whether your plan will cover those visits.
Lastly, costs! – how much can you save on premiums, deductibles, and copays? Our agents can help you compare your options.
This year, Open Enrollment is from November 1st - January 16, 2024. In order to enroll in a plan
with coverage
starting January 1st, you must enroll into a plan by December 15th, 2023.
Looking for an agent to chat with?
Call (919) 328-3999