Individual Health Insurance

• Single or need a family plan
• In need of child only coverage
• A dependent on a group plan
• Seeking a low cost COBRA alternative
• Self employed
• In a job with no benefits
• Independent contractors
• In between jobs
• At the end of COBRA benefits
• Moving to North Carolina
• Graduating from school

Give us a call for a free analysis of your current plan. We will compare your plan to others and help you understand if there are better alternatives.  Many factors go into choosing the right plan which is why it is important to work with an experienced independent health agent who can help you pick the best plan for you.

We are a local, Raleigh-based, authorized agency for Blue Cross Blue Shield of North Carolina (BCBSNC).

Reasons for Purchasing Individual Policies

• Most companies contribute only towards the employee’s health insurance premium and pay nothing towards spouse or dependent coverage; therefore you may be paying too much for dependants.
• An individual health insurance plan with comparable benefits could cost you significantly less.
• An individual plan provides more flexibility and often at a lower cost with better benefits.

There is no cost to get a quote. Call us and let us help you; it could save you considerably.

The Advantages of Having Your Own Health Insurance Policy vs. Employer Group Plan

The right coverage for you. With group coverage, everyone gets stuffed into the same policy.  You end up paying for benefits you may never use… and your own unique healthcare needs often get overlooked. In an individual policy, you get health coverage that’s tailored for you.

Coverage you can keep. Leave a job, and you leave behind your employer-sponsored coverage.  But with an individual policy, you can go wherever your career path takes you — and your health insurance comes with you.

You are only responsible for yourself. In a group policy, the cost of healthcare is spread out among everyone. That means you end up paying for everyone else’s health conditions and choices.  With individual coverage, you can receive discounts for good health and lifestyle choices.

We’ll look at your options and find the right health insurance plan that meets your individual needs.  Call us today for a free quote!

Individual Insurance Options

Individual Health

• Health Savings Accounts (HSAs)
• High Deductible Health Plans (HDHPs)
• Preferred Provider Organization (PPOs)

Individual Dental

Individual Life/AD&D

Long Term Care

What is a Health Savings Account

An HSA is a tax-free way to help pay for current or future out-of-pocket health care expenses.  To be eligible to open an HSA and begin saving money for medical expenses tax-free, you must be covered by a high-deductible health plan.  An HSA can be established through a custodian or trustee and used with your high-deductible health plan to pay for out-of-pocket expenses.  Dollars that are not used in a given year roll over into the next year and are completely portable should you change jobs or switch health coverage.

What is High Deductible Health Insurance Plan (HDHP)?

A health plan product that, when combined with an HSA, provides insurance coverage and a tax-advantaged way to help save for future medical expenses.  HDHPs have a higher annual deductible than traditional health plans and must meet other specific federal guidelines.

What is a PPO?

PPO individual health insurance plans are the most popular plans available today.  They offer co-pays for such things as doctor office visits, presciption drugs, and emergency room visits.  There is a comprehensive health care network of medical providers that are covered by the PPO plan.  A PPO plan offers you more choice. Selecting a primary care physician isn’t required, and you can visit a specialist without a referral.