Individual & Family Health Insurance
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Tailored Health Insurance Solutions for You
At ZCARE, we understand how important quality and affordable health insurance can be to you and your family. As specialists in the individual, self-employed, and small business markets, we represent all of the highly rated carriers in the Carolinas, and it is our job to sort through the hundreds of plan options to design coverage that best fits your needs, lifestyle, and budget.
Major Medical Health Insurance
Major Medical Health Insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments. Allow us to assist you in finding an affordable health insurance option for you, or your family, today!
Tax Credits and Reductions
Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer health insurance benefits you may wish to purchase health insurance on your own, and you may be eligible for Advance Premium Tax Credits to help lower your monthly premiums and make your health insurance much more affordable. You may also be eligible for Cost Sharing Reductions – a discount that lowers the amount you have to pay out-of-pocket for deductibles, coinsurance, and copayments.
We also offer Short-Term health insurance plans for those who are in-between jobs, or awaiting approval on a new policy, as well as Health Share Programs, like Medi-Share, or Aliera. Contact us today, and one of our licensed professionals can design a program specifically for you.
Many Choices to Choose From
There is a wide-range of deductibles and plan structures available that we can look at to best fit your current needs, lifestyle, and budget. If you would like to view affordable health insurance products and options from the highly rated carriers we represent, if you would like an instant online health insurance quote, or if you are ready to apply, please fill out our online form. Not all of your options are available through this quoting system, so you can also contact us directly, free and without obligation. At ZCARE, we understand how important quality and affordable health insurance can be to you and your family. As specialists in the individual, self-employed, and small business markets. We represent all of the highly rated carriers in North Carolina, and it is our job to sort through the hundreds of plan options to design coverage that best fits your needs, lifestyle, and budget.
When can I buy insurance?
If you have a qualifying event, you can get covered through a Special Enrollment Period.
The next Open Enrollment Period, during which almost all Carolinas can buy health insurance, begins on November 1 and goes through January 15. Outside of Open Enrollment, you must experience a qualifying life change event in order to enroll in health coverage.
See if you can enroll through a Special Enrollment Period.
Life Happens
You can still buy health insurance (or make changes to your current plan) year-round if you experience certain changes in your life, including losing your job’s health insurance, changes in your income, moving, getting married and having a baby. Qualifying life change events, like these and more, make you eligible for a 60-day Special Enrollment Period.
Explore the full list of qualifying life events.
Here are some examples of life change events that may qualify you:
Family Additions or Changes:
Expiration of a student health plan
Loss of COBRA subsidy
Release from incarceration
Gaining lawful presence in the U.S.
Birth or adoption of a child, or foster care placement
Pregnancy confirmation by a healthcare provider
Marriage or divorce
Loss of Health Insurance Coverage:
Loss of job-based health insurance
No longer qualifying for Medicaid or Medicare Part A
Turning 26 and losing coverage from a parent’s plan
Move or Change in Residence:
Moving to North Carolina or another new permanent address (conditions apply)
Changes in Income:
For Current Enrollees:
Income changes affecting your Cost-Sharing Reductions (lower out-of-pocket costs)
Becoming eligible or ineligible for the Premium Tax Credit (lower monthly premiums)
For New Customers:
Household income at or below 138% of the federal poverty level ($21,870/year for an individual, $45,000/year for a family of four)
Reporting Household Changes: Report changes in your household size, income, or address within 30 days of the change to determine if you qualify for a Special Enrollment Period. You'll be notified of your eligibility upon submitting your application.
Proof of Qualifying Life Change Event: After enrolling during your Special Enrollment Period, your health insurance provider may request proof of your qualifying life event. For more details on how to verify your eligibility, see this guide on Special Enrollment Period verification.