Health Insurance for individuals and families

For individuals and families under age 65 without access to health insurance, check out the health insurance marketplace.  We utilize the latest technology to streamline the health insurance enrollment process and make it as easy as possible for our clients. Our online portal allows you to compare plans, enroll, and manage your account from anywhere, anytime. 

The open enrollment period happens every year between November 1st through January 15th. You may also have a qualifying life event to provide a special enrollment period during the year. 

Anyone that does not have access to health insurance through employment, state or federal benefits (like Medicaid or VA benefits). Based on where you live, your annual income, and number of people in your household you may qualify for advanced premium tax credits and cost-sharing reductions to subsidize the premium on your health insurance. The marketplace uses the federal poverty level as a basis for tax credits. Individuals and families with an annual income of 100%-400% of the federal poverty line (FPL) qualify for a tax credit. North Carolina residents with an income below 138% FPL now qualify for Medicaid as of 12/1/2023. 

Members of your family may also qualify for a subsidized marketplace plan if you have employer group coverage that is does not meet an affordability test. Call 704-773-3033 to learn more.

The marketplace uses the federal poverty level as a basis for tax credits. Individuals and families with a total adjusted gross income of 100%-400% of the federal poverty line (FPL) qualify for a tax credit. 

North Carolina residents with an income below 138% FPL now qualify for Medicaid as of 12/1/2023. 

Members of your household may also qualify for a subsidized marketplace plan if the group plan that is available to them or their spouse does not meet an affordability test. 

• Ambulatory patient services (outpatient care you get without being admitted to a hospital)
• Emergency services
• Hospitalization (like surgery and overnight stays)
• Pregnancy, maternity, and newborn care (both before and after birth)
• Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
• Prescription drugs
• Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
• Laboratory services
• Preventive and wellness services at no cost and chronic disease management
• Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)