ACA Health Insurance for UNC Health
The Best Health Insurance Plans for Individuals/Families Who Use UNC Health
Health insurers, working to make health insurance costs affordable while following Affordable Care Act regulations, have built smaller networks focusing on one or two health systems. In the greater Triangle area of North Carolina you can choose from among insurers that focus on UNC Health. If your favorite doctors and providers are in the UNC Health system read this page to see how Chip can help you choose a plan, enroll you, and work as your servicing agent throughout the year.
Health Insurers We Partner With that are In-Network with UNC Health; Blue Cross NC and UnitedHealthcare
First step…Will you purchase a plan “On-Marketplace” (with a tax credit to lower the premium costs) or “Off-Marketplace” (without a tax credit)
This is an important step, to determine if you qualify to receive a tax credit, or not. Read below to determine eligibility.
On-Marketplace
In “plain speak” will you receive instant tax credits to lower costs?
"Tax credits" are figured in a formula that takes into account the ages of each covered person, family size, zip code, and the family's income (on your tax return).
Will the annual income on your 2022 tax return fall under these income thresholds for the number of people in your family?
approximately $86,000 for family of 1
approximately $170,000 for family of 2
approximately $215,000 for family of 3
approximately $260,000 for family of 4
approximately $305,000 for family of 5
approximately $310,000 for family of 6
Second question…Will you or your spouse NOT have access to an employer-sponsored health insurance plan through work,?
If your family income is under the threshold and you answer “ no” to the second question you will receive instant tax credits! This could bring the monthly premium cost down by 20, 40, 60%. For some the premium cost is even $0.00 monthly!
We’ll need to enroll you through the healthcare dot gov marketplace to lock in those tax credits. Chip can do this enrollment work for you.
Off-Marketplace
In “plan speak” will you not receive tax credits?
If your family income is over the threshold, OR you or your spouse have access to an employer-sponsored health insurance plan, you are not eligible for tax credits.
But you are still eligible to choose these health insurance plans from the health insurance companies that feature UNC Health in their provider networks!
We can enroll you directly with the insurer and skip the frustrating healthcare dot gov way. Chip can do this enrollment work for you
Chip Millard is a member of Healthcare.gov's "Champions Circle."
A distinction awarded to health insurance agents and brokers who go above and beyond to increase access to health insurance (helping local people understand their benefits and costs options, and helping them enroll) in their communities.
Second Step…Request a Free Personalized Quote Be Emailed to You
Complete the form below and Chip will send you an email with recommended quotes of insurance (including detailed ideas of premium costs and benefits). All in a conversational, “plain speak” explanation of the details Chip is known for (see our reviews on the home page). You can review the information, then follow up with your questions.
Note: Privacy is something we take seriously, and keeping the information you shared private is of utmost importance to us. We do not share any information with third parties. The minimum of information is shared with an insurance company to put together a detailed free quote and illustration for you.
Want to see Blue Cross NC Quotes Now?
Instantly See Plan Details and Costs for UNC Health Plans
Three 2022 UNC Health Specific Plans We Have Helped Clients With:
Below are 3 success stories we have found on the Marketplace in helping our customers obtain their own health insurance plan:
A 26 Year Old Post-Grad Scientist in Chapel Hill
Yuri, 26, has finished graduate school and is working on a post-grad directive in a UNC lab. Health insurance is not offered as an employee benefit through the internship.
We calculated his tax credit, which takes care of most of the premium cost, and Yuri chose the Blue Cross NC Silver Enhanced 200 + 3 Free PCP II health insurance plan, at a monthly premium cost of just $20.23.
Preventative care / wellness, what Yuri utilizes most, is covered 100%. Diagnostic visits at his PCP will be $5 copays (the first 3 will be $0 copays!). And he can visit his favorite UNC Health providers near his workplace.
A Semi-Retired Couple Picks an H.S.A. with UNC Health
A 60 year old couple from Boston who recently relocated to Chapel Hill, and who are semi-retired from business ownership, needed to purchase their own plan. A local friend suggested establishing provider relationships with UNC Health doctors.
Chip explained all the benefits of the H.S.A. (health savings account) plan type, and they chose the Blue Cross NC Bronze 7000 HSA plan. Since their semi-retirement income is lower, $60k annually, the tax credit reduces the monthly premium cost down to $0.00.
The couple established a H.S.A. to pay for qualified medical expenses tax free.
A Family of 4 Health Chooses Their Own Health Insurance
A family of 4 living in Briar Chapel in Chatham County needed their own health insurance plan, as neither spouses workplace offered an employer-sponsored health insurance plan..
The family; ages, 44, 39, 11, and 7, with an annual income of $90k, receive a tax credit at over $962 monthly. They chose the Blue Cross NC Bronze 7000 Copay Plan with UNC Health, at a $205.76 monthly cost.
Now the family can visit all of the UNC Health providers near their home and workplaces, have copays for primary care visits and prescriptions, and preventative care / wellness is covered at 100%.
Overwhelmed? No worries! Chip can help.
In the Triangle it has felt like running a marathon to get an ACA health insurance plan available to us with UNC Health. Now we have three choices! But for many, understanding the options and navigating the Marketplace site feels like an obstacle course. See below how Chip can help you, doing most of the work along the way:
You Request a Free Quote or Contact Our Office
Begin the free process of working with Chip by requesting a quote (or contact us via phone, email or text). Chip will receive your information, calculate your tax credit, and research plans suitable to your needs. He’ll then compile all the info into an initial email he will send to you ASAP.
Easy to Understand Plan Ideas, + Questions Answered
You can review all the emailed information in your own time, then follow up with Chip with your questions. He’ll take the time to answer your questions via email, phone, text, Zoom / Facetime, or an in-person meeting at his office, your home, or at a local coffee shop.
Chip Enrolls You in the Health Insurance Plan You Choose
The healthcare.gov enrollment site or insurer site can feel like a puzzle to solve. Chip can enroll you in the plan you choose, then work to follow up with any requested items (proof of income, prior coverage, etc. He’ll then work to ensure your ID cards and policy arrive.
Add Chip as Your Servicing Agent (if you complete the application yourself)
If you are completing the application yourself at healthcare dot gov, and would like to have a servicing agent to assist you throughout the year, you can add Chip to your plan as the servicing agent.
There is NO COST to you in doing so. The insurance company pays a fee to our office to be of help to you. But your rate can not be higher than the rate for a plan without an agent.
Chip can help with questions, claims issues, billing changes, getting you a new ID card, etc., and help you choose plans each year.
The Newer, Streamlined App
Click on “Agent or Broker” on the left side, then when the “Tell us about the agent or broker” box appears type in First name: Charles, M.I.: O, Last name: Millard, National Producer Number (NPN): 6603024.
The Original, Long Form App
Click on the “Agent or Broker” circle, then below type in First name: Charles, M.I.: O, Last name: Millard, National Producer Number (NPN): 6603024. There are other boxes here but they can remain blank.