How a Health Insurance Agent Can Help You Navigate Healthcare.gov - For Free!

Did you know that health insurance agents can help you sign up with Healthcare.gov at no cost?

While online platforms make it easier to choose your healthcare plan, getting the right plan and navigating the complexities of the various policies available can still be a challenge.

If you need help choosing the right health insurance, our experienced, knowledgeable, and local health insurance agents can help you - for free.

What is Healthcare.gov?

Healthcare.gov is the official health insurance online marketplace. It's sometimes known as the Healthcare Exchange. 

Established as part of the Affordable Care Act (ACA), it's an online platform to enter basic information and compare different health insurance plans. You can check benefits, find costs, and enroll in a policy that suits your budget and healthcare needs.  

You can also see what premium tax credits you're eligible for on the site.

How does HealthCare.gov work? 

Every year, there's an Open Enrollment Period when you can enroll in a new health insurance plan, cancel your existing plan, or make changes. In North Carolina, the dates for this year are November 1 to January 15, 2024.

Outside of the annual Open Enrollment Period, you can use HealthCare.gov to research or manage your existing plan. You can only enroll in a new plan or make changes if you qualify for a Special Enrollment Period. 

You can be eligible for this if you meet a qualifying life event, like having a baby, getting married, or moving state. 

The Role of a Health Insurance Agent

A health insurance agent is a licensed professional who understands all the ins and outs of various health insurance policies available at Healthcare.gov. 

Because of their knowledge, they can help simplify the enrollment process by giving you expert guidance that suits your specific needs and circumstances—allowing you to decide which health coverage plan is right for you. 

They can help you with:

• Personalized Assistance: Health insurance agents will ask you various questions to understand your unique healthcare needs and budget. They'll then narrow your options and tailor a plan for your needs.

• Explaining Complicated Insurance Terms: Insurance terms and jargon can be confusing if you don't work in the insurance industry. Our agents will present your options using simple and easy-to-understand language. So you can know precisely what you're signing up for. 

• Help You Enroll: Our agents will help you to complete all the necessary forms and paperwork. They'll ensure nothing is missing and that there are no errors to make the process go as smoothly as possible - to get you covered faster.

• Additional Help During the Year: Because your circumstances can change at any time of the year (not just in Open Enrollment Periods), our agents are here to help you if you need to make any changes to your coverage. We can help you add new family members or find a new plan because you move out of state. 

• No Cost to You: The best part about using an experienced health insurance agent like Health Plans of NC? It's free to you. The insurance companies compensate us so we won't charge you anything for our service. We also won't push you into a particular product - we'll assess what's right for you - and recommend a few options for you to choose from.

Why Use a Health Insurance Agent?

With so many health insurance plans, you want to ensure you're getting a plan that offers the right coverage for you and your family - at a price point that suits your budget. 

Using a health insurance agent specializing in North Carolina means you've got someone who understands the plan options for North Carolinians and can talk you through your options in detail - to secure the best insurance coverage.

We'll work closely with you to find the right plan and answer any questions you have to ensure you're comfortable and delighted with your coverage.

Please chat with our local team today to find out more.