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Best Health Insurance Agencies in North Carolina

Our Recommended Top 13

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Our goal is to connect people with the best local professionals. We scored North Carolina health insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
5.0 (352)
Facebook
5.0 (26)
Yelp
5.0 (5)

Why choose this provider?

Osborne Insurance Services serves clients residing in North Carolina. The agency provides the community with family and individual health plans, alongside Medicare insurance. Its team guides clients on the best loans for them based on their coverage needs, their network of preferred specialists, and the number of dependents. Osborne Insurance partners with reputable carriers such as Blue Cross and Blue Shield of North Carolina, United HealthCare, and Humana. It has been in operation since 1997.

  • Life Insurance

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Facebook
5.0 (20)

Why choose this provider?

Carolina Insurance Advisors offers a selection of life and health insurance products to clients in North Carolina. Its team draws its portfolio of comprehensive policy options from various known providers, ranging from GTL and Nationwide to Mutual of Omaha and United Healthcare. Its plans offer financial coverage for routine checkups, prescription drugs, and emergency surgeries, as well as rehabilitative care in the wake of an operation or therapy. In addition, it offers products that cover dental cleanings, fillings, and endodontic treatments.

  • Individual Plans

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (6)

Why choose this provider?

Elite Senior Insurance serves seniors in North Carolina. The agency offers Medicare and health insurance. Medicare products include Medicare Advantage, Medicare Savings Plan, and Medicare Supplement. Its health coverage policies offer resources in case of cancer, heart attack, critical Illness, individual health, and dental and vision insurance. In addition, the agency has other insurance products, such as long-term care coverage. Elite Senior Insurance has over 20 years of experience and partners with multiple carriers, including the Blue Cross and Blue Shield of North Carolina.

  • Individual Health Insurance

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
5.0 (31)

Why choose this provider?

Insure4us.com is an independent insurance agency serving clients in North Carolina. The company offers health insurance policies covering eligible medical expenses resulting from sickness, injury, accidental death, or dismemberment. Its brokers represent several carriers that offer options, including HMO, PPO, HDHP, and catastrophic health insurance plans. The team also provides major medical, short-term, and ministry health share policies. The company was founded in 2012 to protect its policyholders in the same way that it protects its own family members.

  • Individual Plans
  • Life Insurance
  • Group Plans

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Why choose this provider?

Health Plans of North Carolina caters to individuals and families seeking personal protection policies. Its team helps clients obtain various types of health insurance plans to prevent monetary losses in case of unexpected events. The independent agency processes Medicare A, B, C, and D plans, which cover policyholders' expenses for outpatient prescription drugs, medical equipment, hospice, and home health care. The local company works with Blue Cross and Blue Shield of North Carolina, an insurance company that has been in operation for over 85 years.

  • Individual Plans
  • Group Plans

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Southeast Insurance Solutions, Inc., helps prevent major financial losses when a client acquires illness or injury or gets a routine checkup. Its work involves matching health insurance companies with clients' needs. Some of its partner providers include WellPath, Cigna, UnitedHealthOne, and HumanaOne. Traditional copay, health savings account, catastrophic, and indemnity are among its plans. The firm also provides policies for pregnant women, PWD, children, self-employed, freelancers, and those who have been denied individual health coverage across North Carolina.

  • Medicare Supplement Insurance
  • Individual Health Insurance

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Health Insurance Solutions of North Carolina is an independent company that serves clients throughout the metro. It provides a variety of health insurance policies for small businesses, families, and individuals. It offers dental and vision coverage, as well as short-term medical health insurance. It also assists clients aged 65 and above, including those under 65 with certain disabilities, to obtain Medicare Supplements and Medicare Advantage plans. Wanda Stephens, the company's owner, represents more than 20 insurance companies, including UnitedHealth, BlueCross BlueShield, Bright, and Cigna.

  • Market Place

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
4.4 (16)

Why choose this provider?

Pierce Group Benefits is an insurance agency connecting individuals and businesses to health insurance plans in North Carolina. Since 2001, it has been recommending employee benefits packages and personal supplemental health policies that cover different medical expenses, including emergency assistance, hospitalization, diagnostic tests, critical illness treatment, medication, and wellness care. Its agents observe a structured evaluation of clients' unique circumstances, compare offerings from various carriers, and recommend suitable health plans and funding arrangements. Pierce Group Benefits also provides counseling and online enrollment for policy management.

  • Dental and Vision Insurance

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
4.9 (72)
Facebook
4.8 (29)
Yelp
5.0 (1)

Why choose this provider?

Bowen Insurance Agency, Inc., serves clients in North Carolina. The company offers a variety of health insurance plans for individuals and families, which includes dental, long-term disability, Medicare Supplement, and long-term care. Its independent insurance advisors represent several carriers and assist clients in choosing the best policy for their healthcare situation. The company also provides employee benefits packages such as group dental, group health, group life, accidental death, and dismemberment insurance. The company is a subsidiary of Erie Insurance, which has been serving clients since 1925.

  • Life Insurance

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
4.9 (255)

Why choose this provider?

Carolina Senior Benefits is an independent agency that caters to clients seeking risk management solutions. It helps North Carolina residents acquire health insurance to protect them from monetary losses due to medical or hospital expenses. This type of insurance includes Medicare Supplement and Advantage, Prescription Drug, and dental and vision plans. The team also processes life and final expense insurance. Carolina Senior Benefits represents multiple carriers, such as Mutual of Omaha, Aetna, Prosperity, and BlueCross BlueShield of North Carolina.

  • Individual Plans
  • Medicare Supplement Insurance

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
4.9 (63)
Facebook
4.7 (6)
Yelp
2.3 (3)

Why choose this provider?

Morgan & Allen Insurance Group provides services to clients across the state of North Carolina. It serves individuals wishing to protect their well-being while securing their finances by applying for health insurance policies covering expenses for dental, hearing, and vision checkups and treatments. It also offers insurance plans focusing on helping clients prepare for possible future sicknesses, including heart attack, stroke, and cancer. The agency carries insurance plans from AIG, Aetna, Getaway Health, UnitedHealthcare, Humana, and Sentinel Security Life.

  • Life Insurance
  • Group Plans
  • Individual Plans

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
5.0 (70)
Yelp
4.5 (12)

Why choose this provider?

The Cavenaugh Insurance Agency lends its services to personal and commercial clients around North Carolina. The independent insurance agency attends to the needs of clients with health insurance concerns. It addresses matters such as medical, dental, vision, short-term disability, and long-term disability. It works with carriers like Blue Cross and Blue Shield of North Carolina, United Healthcare, Kansas City Life, Companion Life, and Cigna. The family-owned company has been providing insurance solutions for more than 40 years.

  • Life Insurance

Best Health Insurance Agencies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
4.7 (23)

Why choose this provider?

Independent Benefit Advisors is an Apex-based agency that deals with clients throughout North Carolina. It works with a variety of providers—ranging from Aetna to BlueCross BlueShield of North Carolina—to offer health insurance policies for individuals. It also sets up supplemental health insurance products that cover costs related to dentist visits and eye care treatments. To help businesses attract skilled employees and retain existing workers, the agency provides group health and life plans. Independent Benefit Advisors has experience working with non-profit organizations in its work.

  • Individual Health Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Osborne Insurance Services
4928 Windy Hill Dr., Suite A, North Carolina, NC 27609
Carolina Insurance Advisors
7413 Six Forks Rd. Ste 303, North Carolina, NC 27615
Elite Senior Insurance
4516 Greenbreeze Ln, North Carolina, NC 27526
Insure4us.com
North Carolina, NC 27613
Health Plans of North Carolina
4350 Congress Street, Suite 300, North Carolina, NC 28209
Southeast Insurance Solutions, Inc.
2137 Chatham Avenue, North Carolina, NC 28205
Health Insurance Solutions of North Carolina
North Carolina, NC
Pierce Group Benefits
4928 Linksland Drive, North Carolina, NC 27540
Bowen Insurance Agency, Inc
347 Earnie Lane, North Carolina, NC 27540
Carolina Senior Benefits
North Carolina, NC
Morgan & Allen Insurance Group
210 Tals Rock Way, Ste. 1, North Carolina, NC 27519
The Cavenaugh Insurance Agency
9121 Anson Way, Suite 200, North Carolina, NC 27615
Independent Benefit Advisors
1121 Pemberton Hill Rd, North Carolina, NC 27502

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North Carolina Health Insurance FAQs

  • What health insurance options do you have in North Carolina?

    North Carolina residents can enroll in individual and family health insurance plans from the federal health insurance marketplace or health insurance agencies. If you are employed, see if your employer has a group health insurance plan you can enroll in. For low-income residents, particularly children, people with disabilities, seniors, and pregnant women, the government offers low-cost or free coverage through Health Choice and NC Medicaid. Another coverage option for residents aged 65 and up is Medicare.

  • Can you remove maternity benefits from your North Carolina health plan if you don‚Äôt need them?

    Under the Affordable Care Act, health insurance plans must cover “essential health benefits,” which include maternity care (pre- and post-natal). Regardless of your gender, maternity benefits will be provided in your health plan. Other essential benefits mandated to be covered by health plans in North Carolina include emergency care and substance use and mental health disorder services. Pediatric vision and dental care are also considered essential benefits, but not adult vision and dental care.

  • Who can you cover as a dependent in your health insurance plan in North Carolina?

    Your dependents can be your family members through blood, adoption, or marriage. These include your spouse, parents, and biological, adopted, and stepchildren up to 26 years old. Some insurers in North Carolina let you cover an adult child with a disability. Divorced or legally separated spouses are not considered family members. Insurers apply this limitation to avoid insurance abuse. For example, your friend may use your health card to get services, leaving you to pay for out-of-pocket costs for those services.

  • How much does health insurance cost on average in North Carolina?

    For a 40-year-old individual on a silver health plan in North Carolina, the average insurance cost is $634 per month in 2022 and $666 in 2023. For a family with one child on a silver plan, the average monthly cost is $1,731. It will cost $399 monthly to add another child to the health plan. These are based on a data analysis by Value Penguin, a personal finance resource, using insurance data from the Centers for Medicare and Medicaid Services.

  • Are immigrants eligible to get health insurance in North Carolina?

    Most immigrants lawfully residing in North Carolina qualify for health insurance from the marketplace or through government programs like Medicaid and Health Choice. Immigration statuses that can get coverage from all three sources include:

    • Asylee.
    • Refugee.
    • Cuban-Haitian entrant.
    • Trafficking victim or survivor.
    • American Indian.
    • Active-duty military.
    • VAWA immigrant.
    • Lawful permanent resident.

    VAWA and Green Card holders must be minors, pregnant, or have lived in the U.S. for over five years to get Medicaid or Health Choice.