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Health Insurance - part of a financial plan Planning for College
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Sample Monthly Health Insurance Premiums

We provide individual and group health insurance plans, medicare plans, and critical illness plans from the most reliable names in the industry, as well as health savings accounts. Request a quote or apply online today!

High Deductible Plans (choose $1,500, $2,500, $3,500, or $5,000)

Ideal for anyone willing to take responsibility for routine health-care expenses in exchange for lower premiums, lower cost protection from unexpected accidents and illnesses, or early retirees needing a bridge to Medicare.

Plan 1: You pay deductible listed then 100% is covered. Optional benefits include: $5 Million Lifetime Maximum Benefit, Prescription Drug Card, and Accidental Death Benefits (not available in NC) of $500 or $1,000, Maternity benefit (not available in AR, MD, NC, or VA), Enhanced Preventive Care Benefits Package (Preferred network plans only), and choice of Network or Non-Network Provider service (reduced by 25%).

Male
Age $5,000 $3,500 $2,500 $1,500
25 $85.39 $92.22 $99.05 $135.48
35 $113.85 $122.96 $132.07 $178.74
45 $176.47 $190.13 $204.93 $276.66
55 $325.61 $351.80 $377.98 $510.05
Female
Age $5,000 $3,500 $2,500 $1,500
25 $95.63 $103.60 $111.57 $151.42
35 $133.20 $143.45 $154.84 $209.48
45 $192.41 $208.35 $224.28 $299.43
55 $296.01 $319.92 $343.83 $456.54
 
Husband/Wife
Age $5,000 $3,500 $2,500 $1,500
25 $83.11 $89.94 $96.77 $133.20
35 $113.85 $122.96 $133.20 $181.02
45 $168.50 $182.16 $195.82 $265.27
55 $257.30 $277.79 $298.29 $401.89

A surcharge applies for tobacco users. Rates above are for Preferred class and are for NC only. Rates are subject to change at any time.
 

Plan 2: You pay deductible then 20% up to an additional $3,000 then 100% is covered. Optional benefits include: $5 Million Lifetime Maximum Benefit, Prescription Drug Card, and Accidental Death Benefits (not available in NC) of $500 or $1,000, Maternity benefit (not available in AR, MD, NC, or VA), Enhanced Preventive Care Benefits Package (Preferred network plans only), and choice of Network or Non-Network Provider service (reduced by 25%).

Male
Age $5,000 $3,500 $2,500 $1,500
25 $72.86 $78.56 $84.25 $109.30
35 $96.77 $103.60 $111.57 $144.59
45 $149.14 $161.67 $173.05 $223.15
55 $275.52 $298.29 $321.06 $412.14
Female
Age $5,000 $3,500 $2,500 $1,500
25 $80.83 $87.66 $94.50 $122.96
35 $112.71 $121.82 $130.93 $168.50
45 $162.81 $176.47 $190.13 $242.50
55 $251.61 $270.96 $291.46 $370.01
 
Husband/Wife
Age $5,000 $3,500 $2,500 $1,500
25 $70.59 $76.28 $81.97 $107.02
35 $96.77 $104.74 $112.71 $145.73
45 $143.45 $154.84 $166.22 $214.04
55 $217.45 $235.67 $252.75 $324.47

A surcharge applies for tobacco users. Rates above are for Preferred class and are for NC only. Rates are subject to change at any time.
 

Copay Plans (choose $500, $1,000, $1,500, 2,500, or $5,000)

Plan 1: You pay deductible listed then 20% up to an additional $2,000, then 100% is covered. Optional benefits include: $5 Million Lifetime Maximum Benefit, Maternity Benefit, Prescription Drug Buy-Up, and Accidental Death Benefits (not available in NC) of $500 or $1,000, Maternity benefit (not available in AR, MD, NC, or VA), Enhanced Preventive Care Benefits Package (Preferred network plans only), First-Dollar Accident Benefit, and choice of Network or Non-Network Provider service (reduced by 25%).

Male
Age $5,000 $2,500 $1,500 $1,000 $500
25 $87.66 $102.46 $120.68 $136.62 $182.16
35 $122.96 $143.45 $168.50 $192.41 $256.16
45 $187.85 $218.59 $257.30 $292.59 $390.51
55 $342.69 $398.48 $469.06 $532.82 $710.42
Female
Age $5,000 $2,500 $1,500 $1,000 $500
25 $113.85 $132.07 $155.97 $177.61 $236.81
35 $157.11 $182.16 $215.18 $243.64 $325.61
45 $215.18 $250.47 $294.87 $334.72 $446.29
55 $316.50 $367.74 $432.63 $491.83 $655.78
 
Husband/Wife
Age $5,000 $2,500 $1,500 $1,000 $500
25 $100.19 $116.13 $136.62 $155.97 $207.21
35 $130.93 $152.56 $179.88 $203.79 $272.10
45 $187.85 $218.59 $257.30 $292.59 $390.51
55 $302.84 $352.94 $415.55 $472.48 $629.59
  • Copay for history and exam: $35 copay
  • Copay for generic brand prescription is $15. Name-brand preferred: $30 copay. Name-brand non-preferred: $60 copay. (Name-brand copay is after a $100 per person, calendar-year deductible. If generic is available, name-brand reimbursed at generic price)
  • $100 copay for emergency room fees applies if not
  • admitted.

A surcharge applies for tobacco users. Rates above are for Preferred class and are for NC only. Rates are subject to change at any time.
 

Plan 2: You pay deductible listed then 20% up to an additional $3,000, then 100% is covered. Optional benefits include: $5 Million Lifetime Maximum Benefit, Maternity Benefit, and Accidental Death Benefits (not available in NC) of $500 or $1,000, Maternity benefit (not available in AR, MD, NC, or VA), Enhanced Preventive Care Benefits Package (Preferred network plans only), First-Dollar Accident Benefit, and choice of Network or Non-Network Provider service (reduced by 25%).

Male
Age $5,000 $2,500
25 $80.83 $87.66
35 $104.74 $113.85
45 $157.11 $171.91
55 $283.49 $308.53
Female
Age $5,000 $2,500
25 $100.19 $109.30
35 $130.93 $142.31
45 $179.88 $195.82
55 $264.13 $286.90
 
Husband/Wife
Age $5,000 $2,500
25 $84.25 $91.08
35 $109.30 $118.40
45 $154.84 $168.50
55 $227.70 $248.19
  • Copay for history and exam: $35 copay, then 100% (maximum 2 visits per person, per year - with an option to buy 2 more).
  • Copay for generic brand prescription is $15. Name-brand not covered.
  • $500 copay for emergency room fees applies if not admitted.

A surcharge applies for tobacco users. Rates above are for Preferred class and are for NC only. Rates are subject to change at any time.