Monday, August 26, 2013

Health Savings Accounts

Health Savings Accounts (HSA'S) are a great way for individuals and families to reduce their premium costs in the new Health Insurance world.

If you are a family that does not use much healthcare, why not pay less in premium and pay for prescription and doctor visits when you need them?  Preventative services are covered at 100% , so you do not need to worry about those costs.

If you are individual or family that does use a lot of healthcare, then an HSA plan is great way to cap your liability and you can write off your contributions to HSA on your taxes.

For more info, visit

Thursday, August 22, 2013

Premium Reductions through Federal Subisidies

Individuals earning less $44,000 and families of four earning less than $94,000 a year will see their premiums reduced by Federal Subsidies that will be paid directly to the insurance companies.

Are you eligible for a premium reduction?

Visit to find out more.

Tuesday, August 20, 2013

67 Health Insurance Plans Available

There will be 67 plans to choose from with varying levels of coverage:

Coverage options will include a catastrophic plan and four coverage levels. Catastrophic coverage plans are designed for people under age 30 and those with very low incomes; they have large deductibles and cover just three primary care visits a year but provide a cushion against ruinous medical bills. Bronze plans will cover 60 percent of health care expenses, silver plans will cover 70 percent and gold 80 percent. The costliest coverage level, platinum, will cover 90 percent of medical expenses.

Which plan is right for you and your family?

Visit the experts at 

Read more here:

Representing Insurance Companies

It looks like there will only be three insurance companies that are represented in the North Carolina Federal Health Exchange.  They are BCBSNC, Coventry Health Plans and First Carolina Care.  These three carriers will offer a combined 67 different health plans for individuals to choose from. 

Will you be able to tell the difference in these plans?

For more information visit