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Posted: Wednesday, January 10, 2018 1:51 PM


Instantly compare low cost North Carolina individual health insurance plans and save money. View comprehensive copay and prescription plans, along with high-deductible catastrophic plans. Temporary coverage is also offered for short-term needs.

Get the best individual health insurance rates in North Carolina. Easily compare Marketplace prices for single, family and small business medical coverage in Raleigh. Marketplace plans provide catastrophic or comprehensive benefits.

We assist you with the enrollment process and help select the best available plans. You may qualify for the federal subsidy that pays up to 100% of your Exchange policy premium. The amount of financial aid you receive is based on your Federal Poverty Level (FPL) household income. Pre-existing conditions are covered and your application can not be declined for medical reasons. Many affordable plans can easily be purchased from most of the major companies.

There are also several new carriers that are participating in 2018. Silver-tier plans are eligible for cost-sharing, which can reduce your coinsurance, deductible, and out-of-pocket expenses. Catastrophic policies are the least expensive but are not eligible for federal subsidies. Applicants that show "financial hardship" can apply for catastrophic plans. The major companies offering coverage are Cigna and Blue Cross Blue Shield of NC. Several low cost NC health insurance plans are listed below:

Cigna Connect 6400

Cigna Connect 3750

Cigna Connect 5500

Cigna Connect 4000

Cigna Connect 6000

Blue Local 7150 (local network with Duke Medicine and WakeMed)

Blue Local 5500 (local network with Duke Medicine and WakeMed, HSA eligible)

Blue Local 5000 (local network with Duke Medicine and WakeMed)

Blue Value 4000 (limited network)

Blue Local 6650 (local network with Carolinas HealthCare System, HSA eligible)

Blue Advantage 7000 (broad network)

Blue Advantage 6650 (broad network, HSA eligible)

Your online NC Health Insurance quotes are free. Simply click on our secure link below, provide your zip code and answer a few questions. There is no cost or obligation! You can get covered quickly and easily.

Four Marketplace “Metal” plans are available. Platinum, Gold, Silver, and Bronze plans will qualify for the Obamacare subsidy. A “catastrophic” option is also offered that features very low rates but does not include all of the 10 required “Essential Health Benefits.” Limited primary-care physician office visit coverage is typically provided.

With more than 35 years of experience, we specialize in shopping, comparing and finding quality Raleigh healthcare plans at the lowest available prices. Whether you need a high-deductible plan, student coverage, HSA, or benefits for only a few months, we'll show you the lowest rates. If you have prior coverage, you may choose to renew the plan, or shop for new coverage.

The NC Department of Insurance regulates carriers and approves proposed rate increases. Your rights and responsibilities are also explained so you can understand the enrollment and application process better. Currently, the federal Marketplace runs the Exchange, although in future years, this can change. As previously mentioned, many top-rated companies offer plans, including Aetna, Blue Cross Blue Shield of NC, and UnitedHealthcare. Off-Marketplace options are also offered.

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