Comparing Plans Made Easier
Health Care Reform has made it easier than ever to compare health insurance plans.
Plans are divided into different metallic levels—Bronze, Silver, and Gold—with various coverage options, deductibles, co-payments, and coinsurance requirements. You can choose the plan that best fits your needs during the annual open enrollment period: November 1st – December 15th.
If you experience a qualifying life event (e.g., marriage, divorce, new baby, loss of coverage, or relocation), you may be eligible for a special enrollment period, with documentation required.
Healthcare Has Changed
Visiting the hospital has become more complex over the last few years.
For over 20 years, The Mair Agency has helped thousands of North Carolina residents find the right health insurance for themselves and their families. We exclusively work with Blue Cross Blue Shield of North Carolina, known for quality coverage and excellent customer service.
Blue Cross's Ease-Of-Use
When you choose a Blue Cross NC plan, you’ll receive:
- Customer Service Support: Local professionals are ready to answer your questions quickly and accurately.
- Online Member Tools: Access Blue Connect from any mobile phone, tablet, or laptop for everything you need to manage your health plan.
- Doctor and Hospital Choices: Blue Cross NC offers a wide range of network options to fit your needs.
- Worldwide Coverage: With the BlueCard program, your health plan travels with you, ensuring coverage wherever you go.
Key Benefits of BCNC Plans
- No Waiting Period for Pre-Existing Conditions
- Preventive Care Benefits: Covered services include annual exams, diabetes screenings, mammograms, and more.
- Essential Health Benefits:
- Preventive Care
- Professional Services
- Hospital Services
- Outpatient Services
- Urgent and Emergency Care
- Maternity Services
- Mental Health and Substance Abuse Services
- Pediatric Dental and Vision Care
Do You Qualify for Health Insurance Subsidies?
The federal government offers financial assistance (subsidies) to individuals and families based on income and household size.
To qualify, you must:
- Be between 100% and 400% of the Federal Poverty Level (FPL).
- Not be eligible for public coverage (Medicaid, CHIP, Medicare, or military insurance).
- Not have access to employer-provided insurance unless it does not meet minimum essential coverage or is considered unaffordable (if the self-only premium exceeds 9.56% of your household income).
- Income below 138% of the FPL may qualify you for Medicaid or CHIP if your state has expanded Medicaid.
- Income between 100% and 250% of the FPL may qualify you for cost-sharing reductions on Silver plans.
Cost assistance is determined by your Modified Adjusted Gross Income (MAGI), which includes the head of household’s income and the Adjusted Gross Income (AGI) of any dependents. If you file as single, only your MAGI counts.
Understanding Federal Poverty Levels (FPL)
Federal Poverty Levels (FPL) are used to determine eligibility for cost assistance when purchasing insurance through the Health Insurance Marketplace. They also help determine Medicaid and CHIP eligibility, among other assistance programs.
| Family Size | 48 Contiguous States | Alaska | Hawaii |
|---|---|---|---|
| 1 | $15,060 | $18,810 | $17,310 |
| 2 | $20,440 | $25,540 | $23,500 |
| 3 | $25,820 | $32,270 | $29,690 |
| 4 | $31,200 | $39,000 | $35,880 |
| 5 | $36,580 | $45,730 | $42,070 |
| 6 | $41,960 | $52,460 | $48,260 |
| 7 | $47,340 | $59,190 | $54,450 |
| 8 | $52,720 | $65,920 | $60,640 |
Chart based on: https://aspe.hhs.gov/poverty-guidelines
For households with more than 8 people, add $5,140 per additional member in the contiguous states, $6,430 in Alaska, and $5,910 in Hawaii.
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