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2024

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Best Health Insurance Agencies in Wilmington, NC

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Wilmington 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.

1890Reviewed

1138Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

625 College Street, Jacksonville, NC 28540
WebsiteLicense: 1000036727

Expertise.com Rating

Why choose this provider?

I-Mark Insurance Group has been offering policies to clients in the Wilmington area since 1950. People looking to get more coverage for their healthcare costs can get the company's individual health insurance. The policy covers treatments, hospitalizations, and preventative healthcare like checkups. The firm also has life insurance to secure the future expenses of the policyholder's beneficiaries. Clients can also get coverage for their autos and homes, along with business insurance for vehicles and construction risks.

  • Life Insurance
  • Health Insurance

5101 Dunlea Ct #201C, Wilmington, NC 28405
WebsiteLicense: 1000612540

Expertise.com Rating

Review Sources

Facebook
5.0 (28)
Google
3.7 (6)

Why choose this provider?

Innovative Financial Group was established in 2014 by the entrepreneur Tyler Rees, offering Wilmington a variety of insurance options, including property, life, and Medicare-supplement health insurance. It also offers worksite benefits and assistance for debt recovery and retirement planning. The company strives to perform as a one-stop shop, providing clients with all of the insurance solutions and support they need in one place. Among its partners are the American-Amicable Group, Transamerica, and Royal Neighbors of America.

  • Individual Plans

1201 Floral Parkway, Wilmington, NC 28403
WebsiteLicense: 6602376

Expertise.com Rating

Review Sources

Google
3.0 (1)

Why choose this provider?

Insurance Solutions is a family-owned agency that has been serving clients in Wilmington. It offers health insurance options for individuals, families, and businesses, as well as Medicare Supplement and Medicare Advantage plans for seniors. The Insurance Solutions team has over 100 years of collective experience in creating individualized solutions and helping companies design customized employee benefits packages. It also provides workers' compensation and life insurance solutions as well as personal property protection for homes and vehicles.

  • Individual Plans
  • Group Plans
  • Life Insurance

1508 Military Cutoff Road Suite 104, Wilmington, NC 28403
WebsiteLicense: 9035323

Expertise.com Rating

Review Sources

Google
4.8 (56)
Facebook
4.4 (31)
Yelp
2.0 (1)

Why choose this provider?

James E. Moore Insurance Agency, Inc., has been providing health insurance solutions for customers in Wilmington since 1954. Its team of agents represents several insurance carriers, such as Builders Mutual, Halifax Mutual, Heritage Insurance, and Foremost Insurance Group. They provide health plans to safeguard clients from financial losses to cover unforeseen medical expenses. They also offer different life insurance plans, including term, variable, whole, and universal life policies. Jim Moore, the company's president and owner, is a member of various insurance companies' agent advisory groups.

  • Life Insurance
  • Individual Health Insurance
  • Health Insurance

7208 Market Street Suite 3, Wilmington, NC 28411
WebsiteLicense: 1000102947

Expertise.com Rating

Review Sources

Facebook
5.0 (20)
Google
3.8 (10)

Why choose this provider?

Grace Tax Insurance is a personal and business insurance agency serving Wilmington partnering with insurance carriers such as Liberty Mutual and Blue Cross Blue Shield of North Carolina. It provides clients with various insurance solutions, including health and life insurance, home and vehicle insurance, workers compensation, and general liability. It also offers tax services, handles payroll services, assists with classifying a business as a separate entity from its proprietor, and helps with ITIN processing.

  • Health Insurance

4818 New Centre Drive, Wilmington, NC 28403
WebsiteLicense: 6583566

Expertise.com Rating

Review Sources

Google
4.3 (44)
Facebook
3.5 (10)
Yelp
3.0 (2)

Why choose this provider?

David Ward is a local insurance broker who serves State Farm Insurance clients in Wilmington. He handles health insurance plans, helping individuals and families acquire the right health coverage akin to their needs. He focuses on individual medical, supplementary health, and Medicare Supplement coverages. He also guides clients who plan to update their policies and file for medical claims. Ward has been a State Farm Insurance agent since 1976. He also specializes in life, disability, auto, home, and business insurance.

  • Health Insurance

1213 Culbreth Drive, Suite 131, Wilmington, NC 28405
WebsiteLicense: 1000002515

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Williamson Insurance and Financial Services, Inc. serves clients in Wilmington and the neighboring areas. It provides health insurance policies, focusing on long-term disability, long-term care, and Medicare supplement. Additionally, it covers other personal insurance needs, such as homeowners, automobile, life, and rental property plans. Williamson Insurance and Financial Services is a family-owned agency founded by Wayne Williamson more than 20 years ago. As an independent agency, it represents various insurance carriers, including The Hartford, National General, Erie Insurance, and Progressive.

  • Health Insurance

3301 Wrightsville Avenue, Wilmington, NC 28403
WebsiteLicense: 1000008809

Expertise.com Rating

Review Sources

Google
4.4 (21)
Facebook
4.9 (21)

Why choose this provider?

George Chadwick Insurance is an independent firm that has been serving the health insurance needs of individuals and groups in Wilmington and nearby locations since 1960. Its agents help clients 65 years old and above apply for Medicare Supplement plans that complement their Social Security Medicare coverage. They also cater to the health plan needs of businesses regardless of size. The team also provides life insurance plans to meet the temporary and long-term goals of clients.

  • Health Insurance

1900 Eastwood Rd., Suite 27, Wilmington, NC 28403
WebsiteLicense: 1000597361

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
5.0 (9)

Why choose this provider?

Wade Associates Insurance & Risk Management is an independent insurance agency offering a comprehensive suite of insurance solutions to individuals and businesses in Wilmington. It represents a vast network of health insurance carriers covering various health concerns, from dental and vision treatment to critical illnesses and accidents. It also helps clients be protected from significant financial loss caused by unexpected medical, surgical, and hospital costs. Other personal lines of insurance include home, auto, and life insurance.

  • Individual Plans

5704 Oleander Dr. Suite 101, Wilmington, NC 28403
WebsiteLicense: 15125627

Expertise.com Rating

Review Sources

Google
4.7 (37)

Why choose this provider?

Stephen Owens Agency has locations in Wilmington and Burgaw. It offers disability, critical illness, life, annuity, and supplemental insurance plans that help protect an individual's health, family, and income. Its providers include AmTrust, MetLife, Nationwide, and Progressive. The company's president, Stephen Owens, has worked in the insurance industry since 1993. He established the agency in 2000 to provide financial services and personal and commercial coverages to his hometown. Stephen Owens Agency is a member of the Highland Insurance Group.

  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
I-Mark Insurance Group
625 College Street, Jacksonville, NC 28540
Innovative Financial Group
5101 Dunlea Ct #201C, Wilmington, NC 28405
Insurance Solutions
1201 Floral Parkway, Wilmington, NC 28403
James E. Moore Insurance Agency, Inc.
1508 Military Cutoff Road Suite 104, Wilmington, NC 28403
Grace Tax Insurance
7208 Market Street Suite 3, Wilmington, NC 28411
David Ward
4818 New Centre Drive, Wilmington, NC 28403
Williamson Insurance and Financial Services, Inc.
1213 Culbreth Drive, Suite 131, Wilmington, NC 28405
George Chadwick - Insurance
3301 Wrightsville Avenue, Wilmington, NC 28403
Wade Associates Insurance & Risk Management
1900 Eastwood Rd., Suite 27, Wilmington, NC 28403
Stephen Owens Agency
5704 Oleander Dr. Suite 101, Wilmington, NC 28403

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • Does Wilmington mandate health insurance for its residents?

    There is no federal insurance requirement in existence and no explicit statute forcing residents of Wilmington or the rest of North Carolina to carry health insurance. However, health insurance might help people avoid astronomical medical expenses. For major medical plans, the least expensive health insurance in Wilmington starts at about $178 per person.

  • How does Wilmington's health insurance market operate?

    For the purpose of enrolling in North Carolina health insurance plans, comparing coverage, and determining eligibility for subsidies and cost-share reductions, Wilmington makes use of the federally facilitated health insurance marketplace. The prices put out by insurers seeking to offer medical insurance through the federal marketplace are reviewed by the North Carolina Department of Insurance.

  • Is it possible to enroll in a major medical coverage in Wilmington outside of the open enrollment period?

    In Wilmington, most companies do not provide significant medical insurance outside of the open enrollment. However, a special enrollment period will be available if a qualified life event occurs, such as marriage, the birth of a child, or the loss of coverage. There may be some short-term plans offered by companies in the interim, but you must also obtain specific information to ensure they meet your needs and comply with the ACA.

  • What happens if you don't require all the features offered by a Wilmington health insurance plan?

    Most medical health insurance plans in Wilmington must offer specific services known as Essential Health Benefits following the Affordable Care Act. This implies that regardless of your gender, maternity and newborn care should be covered by the plan as it is seen as a crucial health benefit. The same goes for all the identified essential health services.

  • In Wilmington, does Medicare Part A require you to pay a premium?

    You won't be required to pay a Part A premium in Wilmington if you are at least 65 years old and you or your spouse have paid Medicare taxes for at least 10 years. If you are receiving Social Security or Railroad Retirement benefits or are eligible for them but have not yet applied, you may also take advantage of premium-free Medicare.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.