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Cold Mountain Insurance
  • Home
  • Auto Insurance
  • Home Insurance
  • Bundle Home and Auto
  • Flood Insurance
  • Umbrella Insurance
  • Home Warranty
  • Classic Car Insurance
  • Motorcycle Insurance
  • Boat Insurance
  • RV and Travel Trailer
  • Landlord Insurance
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Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
ACA Obamacare Health Insurance Blue Cross Blue Shield United Healthcare Southport Brunswick County

Special Enrollment Period Options

ACA Marketplace Plans

You may qualify for a Special Enrollment Period!  

You qualify for a Special Enrollment Period if you’ve had certain life events including:

  • Losing health coverage at your job 
  • Losing other health insurance coverage
  • Moving to a new state and need health coverage  
  • Getting married 
  • Having a baby, or adopting a child
  • Turning 26 years old
  • If your household income is below a certain amount. 

ACA Health Insurance aka Obamacare with ppo options and dental insurance are available.

Special Enrollment Period

Open enrollment begins November 1st, but have you had a qualifying life change? You don't have to wait for open enrollment.

ENROLL NOW

Health Insurance Plan Levels

ACA Obamacare Health Insurance Blue Cross Blue Shield United Healthcare Southport Brunswick County

Bronze 60/40 plan

Bronze 60/40 plan

Bronze 60/40 plan

  • Most affordable monthly cost
  • Highest costs when you use the insurance
  • Preventive Care doctor visits are free and do not require coinsurance or copays in many cases.

ACA Obamacare Health Insurance Blue Cross Blue Shield United Healthcare Southport Brunswick County

Silver 70/30 plan

Bronze 60/40 plan

Bronze 60/40 plan

  • If you qualify for cost-sharing reductions in addition to your advanced premium tax credit subsidy, you must pick a Silver plan to get the extra savings. You can save hundreds or even thousands of dollars per year if you go to the doctor. 
  • Moderate monthly premium
  • Moderate decuctible costs 

ACA Obamacare Health Insurance Blue Cross Blue Shield United Healthcare Southport Brunswick County

Gold 80/20 plan

Bronze 60/40 plan

Gold 80/20 plan

  • High monthly premium
  • Low costs when you need care
  • Deductibles — the amount of medical costs you pay yourself before your plan pays are usually low.

REAL LIFE example of a $0 plan!

ACA Obamacare Health Insurance Blue Cross Blue Shield Aetna UHC AMbetter Southport Brunswick County

In about a minute, you'll see your instant quote!

See plans and prices

Find Affordable Health Insurance

More than half our members with a subsidy pay $0 per month!
DO YOU QUALIFY FOR $0 PER MONTH COVERAGE?
ACA Obamacare Health Insurance Blue Cross Blue Shield North Carolina Southport Brunswick County

Here's what people are saying!

ACA Obamacare Health Insurance Blue Cross Blue Shield North Carolina Southport Brunswick County

Shop Health Insurance

 

There’s no obligation for our services and you’ll pay the same price offered by the insurance companies you know and trust. 


Your healthcare needs and budget are as unique as you are. That’s why we offer North Carolina plans across a range of price levels. We can help you find a plan that’s right for you, whether you’re an individual who only needs emergency coverage or part of a large family with more extensive healthcare needs. Plus, if your income is between 100% and 400% above the Federal Poverty Level , you could qualify for a government subsidy to help pay your health insurance. 


 What does that mean?  If you're single and make at least $15,060 per year, you could qualify! For a family of 3, you need to make at least $25,820 and a family of 4 would need to make $31,200 per year to qualify for government subsidies. Here are the HHS Poverty Guidelines.


Among those who qualify for subsidies, the average cost of health insurance in North Carolina is $68.00 per month. However, rates vary based on income, and the cost can be as low as $0 per month! ACA Health Insurance aka Obamacare with PPO options and dental insurance are available.

  

ENROLL NOW! 

SHOP HEALTH INSURANCE

Advanced Premium Tax Credit & Cost-Sharing Reductions

ACA Obamacare Health Insurance Blue Cross Blue Shield United Healthcare Southport Brunswick County

If you don’t have health coverage through an employer and you’re not eligible for Medicare or Medicaid, you may qualify for a health care subsidy. Established by the Affordable Care Act (ACA), this federal assistance covers some of the premium and out-of-pocket costs of health coverage. There are two types of subsidies offered: 

Advanced Premium Tax Credit (APTC): This subsidy helps lower your monthly insurance premiums. It’s based on the cost of health coverage in your state, your estimated income and your household size, which includes you, your spouse and any tax dependents.  


Cost-Sharing Reductions (CSRs): This subsidy offers extra savings that reduce out-of-pocket costs by decreasing deductibles, coinsurance, copays and out-of-pocket max. If you qualify for CSRs based on your income, you must enroll in a plan that falls in the Silver ACA level to enjoy these extra health insurance savings. 


The best part is you may be eligible for both types of subsidies, which can dramatically lower your annual health insurance costs. 

CALCULATE SAVINGS NOW

We're your Local North Carolina Insurance Professionals!

We live here too!

Unlike the impersonal "boiler room" auto-dialer agents, we’re proud to live and work right here in North Carolina!

When you call us, you’ll speak directly with a licensed North Carolina insurance agent who understands the unique needs of our state. Often, you’ll even connect with our principal agent, Wolff Shipp.


We’re passionate about providing outstanding customer service. If we’re assisting another client and miss your call, we promise to call you back the same day. Prefer texting or emailing? We’ll respond promptly—usually within minutes. That’s our unwavering commitment to you!

Click to Call (910) 477-8838

Which health plan category is right for you?

Answer a few questions to see your options
SHOP HEALTH PLANS NOW

Find Affordable Health Coverage

ACA Obamacare Health Insurance Blue Cross Blue Shield United Healthcare Southport Brunswick County

 

Compare plans to find the best price!

Answer a few questions to see your options with BlueCross BlueShield of North Carolina, Aetna, United Healthcare, Ambetter and Cigna

DO YOU QUALIFY FOR $0 PER MONTH?
ACA Obamacare Health Insurance Blue Cross Blue Shield United Healthcare Southport Brunswick County

Get the health coverage you deserve

 

What is an Affordable Care Act (ACA) subsidy?

The Affordable Care Act (ACA) subsidies are tax credits that allow you to pay less for a health insurance plan purchased on an ACA marketplace. 


  • How it works: When you use the subsidies, the cost of private health insurance is reduced based on the size of your family and your household income. Subsidies can be applied throughout the year to lower your monthly bill, or the lump sum can be taken as a deduction when you file income taxes.


  • Who can sign up: Health insurance subsidies are available for those whose income falls in a certain range, depending on family size, and who buy insurance on HealthCare.gov or a state-run health insurance marketplace.


  • Which insurance plans qualify: ACA subsidies can be used to lower the cost of insurance from any company, and the discount can be applied to four levels of coverage: Bronze, Silver, Gold and Platinum. They can't be used for the cheapest options: Catastrophic plans, Medicaid, the Children's Health Insurance Program (CHIP) or coverage offered by your employer.

 

Health Insurance Subsidy Calculator
ACA Obamacare Health Insurance Blue Cross Blue Shield United Healthcare Southport Brunswick County

Health Insurance Options

ACA Marketplace Plans

 

What prescriptions are covered by my plan?

  • Your plan will help pay the cost of certain prescriptions.
  • Your plan’s list of covered drugs is called a "formulary."
  • Visit your plan’s website, call their Member Services, or review your Summary of Benefits and Coverage for a list of covered drugs.


How can I find a doctor in my plan? 

  • Most plans give you the best price on services when you go to an "in-network" health care provider who has a contract with the plan.
  • You may be able to visit doctors who aren’t in your plan’s network, but you may pay more.
  • Learn how to find a doctor in your plan's network.


How do I use my coverage?

  • Learn how to stay healthy and get the care you need (PDF, 698 KB). You’ll find tips on where to go for care, how to find a provider, and more.

Shop now for your 2024 health insurance coverage!

ENROLL NOW
Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC
  • Cold Mountain Insurance Experts Health Insurance, Term, Final Expense & Pet Insurance Southport NC

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Cold Mountain Insurance, LLC

3972 Business 17 E Suite I2 Bolivia, NC 28422

Call Our Office: 910-477-8838 Help@ColdMountainInsurance.com Send us a text at 910-477-8828

Cold Mountain Insurance Brunswick County North Carolina Blue Cross Blue Shield experts in NC
  • Auto Insurance
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  • Bundle Home and Auto
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  • Motorcycle Insurance
  • Boat Insurance
  • RV and Travel Trailer
  • Landlord Insurance
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  • Health Insurance
  • Dental and Vision
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