Healthcare
Health insurance for individuals, families, and the self-employed.
Whether you're between jobs, self-employed, or shopping the marketplace for the first time, we help you find a health plan that fits your life and your budget.
- Open Enrollment
- Nov 1 – Jan 15 (most states)
- Subsidy eligibility
- Available across most income levels
- Coverage start
- As soon as the 1st of next month
- Independent help
- Free — no marketplace fees
Overview
If you're under 65 and don't have employer coverage, you have options — including ACA marketplace plans (often with significant subsidies), private plans, and short-term coverage for gap situations.
We'll review your household income, preferred doctors, and prescription needs to identify the plans that actually save you money — not just the ones with the lowest sticker price.
And because we're independent, you get unbiased guidance across all the carriers that serve North Carolina.
A closer look at healthcare
What health insurance covers
A major medical health plan covers doctor visits, hospital stays, prescriptions, preventive care, mental health, maternity, and emergency care. ACA-compliant plans can't deny coverage or charge more for pre-existing conditions, and preventive care is covered at 100% in-network.
Subsidies are bigger than people realize
The expanded premium tax credit means many middle-income households — including the self-employed and early retirees — qualify for meaningful subsidies. A quick income check often surfaces $200–$800+ in monthly savings that people didn't know they were entitled to.
Marketplace vs. off-marketplace vs. short-term
Marketplace plans (Healthcare.gov) are the only place to claim subsidies. Off-marketplace plans from the same carriers sometimes offer better networks or benefits when no subsidy applies. Short-term plans are cheap but not ACA-compliant — useful only for true gap situations.
Your options
ACA Marketplace plans
Subsidized plans through Healthcare.gov. Many people qualify for tax credits that dramatically lower the monthly premium.
Private individual & family plans
Off-marketplace options from major carriers, sometimes with better networks or benefits than the marketplace equivalents.
Short-term medical
Temporary coverage for gaps between jobs, after graduation, or before Medicare kicks in.
Self-employed coverage
Strategies that work for freelancers, small business owners, and 1099 workers — including HSA-eligible plans.
How we help
A simple, no-pressure process from first call to lifelong support.
- 1
Quick subsidy check
Share household size and projected income — we tell you within minutes whether you qualify for a tax credit and roughly how much.
- 2
Match networks and prescriptions
We check your doctors and meds against each plan's network and formulary so you don't end up paying out-of-network rates.
- 3
Compare total annual cost
Not just premium — we look at deductible, max out-of-pocket, copays, and prescription tiers to estimate your real annual spend.
- 4
Enroll and re-check yearly
We handle enrollment and review your plan every Open Enrollment to make sure your subsidy and plan still fit your income and life.
What you get with our agency
- Subsidy eligibility check so you don't overpay
- Network and prescription matching to your current providers
- Side-by-side comparisons across multiple carriers
- Enrollment help and ongoing service all year
Frequently asked questions
Quick answers to what people most often ask about healthcare coverage.