Individual & Family Health Insurance (Under 65)
Affordable coverage for life before Medicare
Not everyone qualifies for Medicare yet, but everyone deserves dependable health insurance. Triangle Medicare Solutions helps individuals and families across North Carolina find affordable ACA Marketplace plans and private options that fit their needs and budget.
Health Coverage Options for Those Under 65
Expert help for early retirees, self-employed professionals, and families
If you’re under 65 and need health insurance, there are more options than you might think. Whether you’re between jobs, self-employed, or retiring early, the Affordable Care Act (ACA) Marketplace—often called Obamacare—offers a wide range of comprehensive, income-based health plans. These policies cover essential benefits like doctor visits, hospital stays, prescriptions, and preventive care. Many people qualify for subsidies that significantly reduce monthly premiums, and our advisors will help you apply and enroll at no cost to you.
ACA Marketplace (Obamacare) Plans
Comprehensive coverage and financial assistance
Marketplace plans are available in multiple coverage tiers and designed to protect your health and finances. Here’s what to know when exploring your options:
Full Coverage for Essential Care
ACA health plans must include hospital, outpatient, maternity, mental health, and prescription drug coverage. They also cover preventive care at no cost.
Subsidies to Lower Costs
Depending on your household income, you may qualify for premium tax credits or cost-sharing reductions. Our team helps determine your eligibility and ensure you get every dollar you qualify for.
Annual Open Enrollment
The Marketplace opens each fall—typically November through January—but you can enroll mid-year if you experience a qualifying event like job loss, marriage, or moving.
Different Plan Levels
Bronze, Silver, Gold, and Platinum tiers balance premium costs and out-of-pocket expenses. We help you find the right fit based on how often you visit doctors or fill prescriptions.
How We Help with Individual Health Plans
Personalized plan comparisons and enrollment support
Choosing a health insurance plan can feel confusing, especially when dozens of options are available through the Marketplace. Triangle Medicare Solutions simplifies the process by comparing plans from major insurers such as Blue Cross NC, Cigna, Ambetter, and Oscar. We check your preferred doctors and medications to ensure they’re covered, explain deductible and copay differences, and guide you through every step of enrollment.
Our team also helps with subsidy applications and annual reviews to make sure your plan continues to meet your needs each year. Whether you’re looking for an individual or family policy, we’ll find the right balance of coverage and cost—without charging you a fee for our service.
Other Health Insurance Options
Temporary and supplemental coverage when you need it most
If you miss open enrollment or need short-term coverage, we can discuss temporary medical plans that bridge the gap until your next major policy begins. These plans aren’t ACA-compliant and may have limitations, but they can offer basic protection in emergencies. We also assist clients who are weighing COBRA continuation or comparing it to a Marketplace plan to ensure they make the most affordable choice. For added peace of mind, we can explore supplemental accident or critical illness coverage that complements your health plan.
Under-65 Health Insurance FAQ
Answers to common ACA and Marketplace questions
When can I enroll in a health plan?
You can enroll during the Open Enrollment Period, typically from November 1 to January 15. If you’ve had a qualifying life event—like losing job coverage, getting married, or moving—you may be eligible for a Special Enrollment Period, which lets you enroll mid-year.
Do I have to sign up through Healthcare.gov?
Yes, if you live in a federal marketplace state like North Carolina, enrollment happens through Healthcare.gov. We’ll walk you through every step, submit your application, and ensure your subsidy information is correct. In states like Connecticut, we use their state exchange instead.
Can I keep my current doctors?
Maybe. Many ACA plans have limited provider networks, so it’s important to choose carefully. We check your preferred doctors and clinics to make sure they’re in-network before you enroll—so you won’t face surprise out-of-network bills.
Will my pre-existing conditions be covered?
Yes. All ACA health insurance plans must cover pre-existing conditions at the same rates as anyone else. That means your medical history can’t prevent you from getting coverage or affect your premium.
How much will my plan cost?
Costs depend on your age, location, and household income. For example, a 40-year-old in North Carolina might pay around $400 per month for a bronze plan before subsidies—but with tax credits, many people pay far less. We can calculate your personalized estimate and help you apply for savings.
