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Thanks to the passage of the Affordable Care Act applying for health insurance no longer involves medical underwriting (an evaluation of your medical records). The premiums you are shown are exactly what you will pay with one exception. Tobacco users pay more for their policies.

Since not all doctors and hospitals are in-network with all plans, it is important to give your insurance agent the names of your doctors and preferred hospitals. This allows your agent to research which company will be accepted by your healthcare providers and keep the overall amount spent on healthcare as low as possible.

Your rates are determined by your age and zip code as well as your choices with regard to the insurance company, type of policy, maximum out of pocket, coinsurance and deductible. Another factor is whether or not you qualify for a government subsidy. If you are an individual making less than $51,040 you may qualify. A family of  2 with an income of less than $68,960, a family of 3 with an income of less than $86,880 and a family of 4 with an income of less than $104,800 are often eligible for a subsidy too. Using HealthSherpa software I can apply for a subsidy on your behalf.

Contact Wanda Stephens at 919-845-6001 or by clicking here for additional details. By clicking on the buttons to the right of the insurance company you can get quotes for plans in your area. You can also get these quotes from the HealthSherpa software button below.

 

 

Ambetter North Carolina Health Insurance
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Blue Cross Blue Shield NC
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Bright Health Carolina Health Insurance
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Cigna Health Insurance
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HealthSherpa Health Insurance
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Oscar Health Insurance
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From Our Customers

Jeff SanGeorge, Magnetic Ideas

"Wanda was very knowledgeable and informative in helping me find the right type of health insurance for my family. I was paying a huge monthly bill for Cobra through my former employer and Wanda helped me find a great plan for half of what I was paying monthly! I also liked that I wasn't only lead to one particular health insurance provider, but given options and recommendations for several different providers."

Jeff SanGeorge, Owner of Magnetic Ideas