Health Insurance Broker in Mooresville, NC

Most self-employed people compare ACA Marketplace plans, where subsidies may apply, with private plans. We'll show you both so you can see the real monthly cost and coverage.

No. Brokers are paid by the insurance companies, so you pay the same price for a plan whether you use us or not.

ACA open enrollment runs November 1 to January 15. To start coverage January 1, enroll by December 15. Outside open enrollment you may qualify after a life event such as losing coverage, moving, marriage or a new baby. Some private plans can be bought any time of year.

Often, yes. Tell us your doctors and we'll check each plan's network before you choose.

Yes. We help with renewals, billing and claim questions, and changes during the year.

It depends on your age, where you live, who needs coverage, the plan you choose and whether you qualify for a subsidy. Prices change every year, so the best way to know is a free quote. We'll show you real prices for your situation.

Yes. ACA Marketplace plans can't turn you down or charge you more because of a pre-existing condition. Some private plans work differently, so we'll explain the rules for every plan we show you.

The deductible is what you pay for covered care before your plan starts paying. A copay is a set fee for a visit or prescription, such as $25 for a doctor visit. The out-of-pocket maximum is the most you'll pay for covered in-network care in a year. After you reach it, the plan pays 100%.

In-network doctors and hospitals have agreed to set prices with your plan, so you pay less. Out-of-network care usually costs more, and some plans don't cover it at all except in an emergency.

An HMO usually requires you to stay in its network and get a referral to see a specialist. A PPO lets you see doctors in or out of network without a referral, but out-of-network care costs more. An EPO covers in-network care only, except emergencies, and usually doesn't need referrals.

A qualifying life event lets you sign up for health coverage outside open enrollment. Examples include losing other coverage, moving, getting married, and having or adopting a baby. You usually have 60 days from the event to enroll.

Yes, if you have a qualifying life event. Some private plans can also be bought any time of year. Call or text us and we'll check your options.

Losing job-based coverage is a qualifying life event, so you can usually enroll in a Marketplace plan within 60 days. You may also be offered COBRA, which keeps your old plan but is often expensive. We'll compare both for you.

Marketplace subsidies (premium tax credits) are based on your household income and size. Rules and prices change, so check every year even if you didn't qualify before. We'll check for you as part of your free quote.

A Health Savings Account (HSA) lets you set aside pre-tax money for medical costs. You need an HSA-eligible high-deductible health plan to open one. The money is yours, rolls over every year and goes with you if you change jobs.

An HRA is funded and owned by your employer, and it reimburses you for qualified medical costs. An HSA belongs to you, and you, your employer or both can put money in.

ACA-compliant plans cover recommended preventive care, such as yearly checkups, many screenings and vaccines, at no cost when you see an in-network doctor. Private plans can differ, so we'll show you what each plan covers.

Many plans include virtual doctor visits, and some charge a $0 copay. We'll point out which plans include telemedicine when we compare your options.

Your ZIP code, the ages of everyone who needs coverage, an estimate of your household income for the year (to check for subsidies), and a list of your doctors and prescriptions.

You pay the same price for a Marketplace plan either way. A licensed broker can also compare private plans side by side, check your doctors and prescriptions, and help you after you enroll, at no extra cost.

Yes. If a claim is denied or a bill looks wrong, call or text us and we'll help you work it out with the insurance company.