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North Carolina Health Insurance Quotes & Plans

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North Carolina Health Insurance Quotes & Plans

Our independent agency offers North Carolina health insurance quotes and coverage direct to you. Individual, family, student, short and long term medical coverage can be quoted online and purchased direct by using our enrollment software below. We are also available for consult, so please feel free to call us.

There are no fees or additional commissions to use our services. Health insurance prices are controlled by law, so you will not find better rates anywhere else – online or in person. We are your one-stop shop for health insurance both on and off of the federal exchange.

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United Healthcare Insurance Quotes

United Health One

View UHC Quotes →

  • Very Affordable Monthly Rates
  • Short Term Plans (1-12 months)
  • Health Savings Accounts
  • Popular Dental & Vision
  • Large Nationwide Network

Aetna & Coventry Health Insurance Plans

Aetna

View Aetna Quotes →

  • Preventive Care Options
  • Health Savings Accounts
  • Nationwide Networks
  • Add-On Dental Coverage
  • Low Doctor’s Office Copays

https://www.getcoventryone.com/?npn=GnAiM6N5Q2k

Humana

View Humana Quotes →

  • Large Nationwide Network
  • Health Savings Accounts
  • Individual & Family Plans
  • Stand Alone Dental Coverage
  • Stand Alone Vision Insurance

Family Health Insurance Plans In North Carolina

North Carolina Health Life Insurance QuotesIf you are in need of family health insurance coverage, then you are in the right place. Using our years of expertise, we can help you compare and enroll in the plan that best meets your needs and budget.

Purchasing health insurance on your own can be an intimidating process. Using an experienced agency like ours can help to eliminate the guesswork. There are several different types of coverage options to choose from and we can help you quickly narrow down your options.

Whether you are thinking of starting a family and need maternity coverage or if you are looking for suitable coverage for young children, we can help. By law, all major medical plans must now cover preventive care without the insured first reaching the deductible. This is helpful for those concerned about health plans that cover regular visits to the OBGYN, well child exams and child vaccinations.

North Carolina Health Insurance Exchange Plans

We use a wide array of companies to help our clients find the individual health insurance coverage in North Carolina that best fits their situation. Our carriers include Aetna, Coventry One, Humana and United Healthcare. In today’s ever-changing insurance market, it is important to work with an independent agent in order to find your most affordable options.

In many parts of North Carolina, we have found Coventry One to offer some of the most affordable options for our clients. They have a large network and several plans to choose from. We will be happy to email you Coventry One quotes once we hear from you.

It’s important to note that no longer can you be declined health insurance due to a preexisting condition. Unless you are experiencing a qualifying life event however, you will need to purchase health insurance during open enrollment. Insurance companies can only increase your rates due to tobacco use, but they can’t deny you coverage or increase your rates due to health reasons.

We offer all “metal” plans including: Bronze, Silver, Gold and Platinum. We will help you find the health plan with the benefits that best suits your needs and budget. If you qualify for a tax credit, then we can help you with plans on the federal exchange.

Short Term Health Insurance Coverage in NC

We can also provide assistance if you are in need of short term health insurance coverage to help bridge the gap between permanent policies. Short term coverage is more appropriate for those who know that they will have permanent or group coverage in the near future. It will not satisfy the healthcare mandate however.

Most short term health plans will have a maximum term of six months. These policies can be renewed, but medical underwriting will be required after the first term has expired – which means that you can be declined if your overall health has changed.

Thus, it’s sometimes wise to purchase a permanent policy and pay month-to-month if you need coverage for longer than six months. Short term insurance is a better fit for those who need to cover a known short duration of time before new coverage begins.

Health Savings Accounts And HSA Qualified Plans

Health savings accounts are a great way for individuals and families to save money on their monthly premiums while also using the tax advantages offered by these qualified health plans.

Typically, HSA plans are less expensive than traditional coverage and they also offer a savings account that can be used on a tax advantaged basis to cover the majority of incidental health expenses.

In a nutshell, HSA qualified plans allow you to setup an investment account (typically a bank savings account) with your own money – separate from the premiums payed to your insurance company. You pay your premiums to the insurer and fund the HSA from other discretionary funds.

The monies you contribute to your HSA can be written off against your income taxes each year, will grow on a tax-deferred basis, and can be withdrawn on a tax-free basis for qualified medical expenses. Meeting the deductible, paying for a prescription or doctor’s visit, and several other assorted medical costs are all considered qualified medical expenses.

There are certain annual contribution limits to a HSA, but your deposits will always remain for your use even if when unused each year. This is also true if you later enroll in new health insurance plan that is not HSA qualified. All leftover funds always belong to the account owner – never the insurance company.

(Learn more about health savings accounts)

Contact Us For Quotes And Assistance

The nice thing about working with an independent insurance agency such as ours is that there are no additional fees to do so. We can help you compare and contrast medical insurance plans in North Carolina while also narrowing down your options.