Your Health Insurance Team

Meet Andrew
Andrew Kaiser
Director of Health & Benefits
Meet Lori
Lori Alala
Health & Benefits Consultant
Meet Aleix
Aleix Arrington
Health & Benefits Consultant
Meet Paula
Paula Crawford
Health & Benefits Consultant
Meet Jerrica
Jerrica Starnes
Health & Benefits Consultant
Meet Jeneé
Jeneé Tenor
Health & Benefits Consultant
Meet Megan
Megan Johnson
Health & Benefits Consultant

Understanding Your Options with Marketplace Health Insurance

With the Affordable Care Act of 2014, everyone in the United States is required to have healthcare coverage for themselves and their family members. You may have questions about Open Enrollment for 2017, including your responsibility, available coverage, cost, or enrollment. We offer free consultation to answer your questions and to help you enroll for the insurance coverage you need.

The first thing you need to know about individual healthcare is that Open Enrollment occurs once a year from November 1st through January 31st (unless you have a qualifying event called a Special Enrollment Period). If you are under 65 and do not get health insurance during these times (and you are not participating in an employer’s medical plan), there is a government penalty. The penalty for 2017 and beyond will remain at 2.5% of household income, or $695 per adult*, whichever is the greater amount. *The flat fee will be adjusted for inflation.

If you already have insurance through the Health Insurance Marketplace (, you will be required to recertify your income during this enrollment period to establish your subsidy for 2017.

Read more about marketplace enrollment

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You Have Options

You may have heard that Blue Cross and Blue Shield (BCBS) is the only provider for individual health insurance in participating in the Marketplace for North Carolina in 2017, but did you know that you have options?

We offer free individual health consultation for you during enrollment. Whether you are being mapped to a Blue Cross plan from United Healthcare (UHC) or Aetna, changing a Blue Cross plan, or are coming to the Marketplace for the first time, we can provide you practical options and help you decide which is best for your financial and medical needs.

We can often help you discover a more affordable health plan for your needs, whether it is knowing which plan can work for you or determining whether you qualify for a subsidy.

Make an Appointment

If you would like to set up an appointment to meet with a Licensed Health Insurance Agent in the office, please give us a call or click the link below to send us an email. We are happy to help you through the process!

Make an Appointment

To obtain health insurance with Blue Cross and Blue Shield through the Marketplace, there are some documents you will need to complete your enrollment.

What Do I Need to Bring?

With this knowledge in mind, let us help you get ready, get set, and go forward with your health insurance for the coming year!

Email or call a Health Insurance Agent at (828) 328-5671 to learn how we can help you manage your Health Insurance needs.