Free consultation
We review your household, income and doctors.
You get plain answers, not a sales pitch.
$0
Always
Instant Health Coverage
Licensed health insurance agents for the Marketplace in North Carolina
Health insurance, made simplefor your family
We are licensed agents who walk North Carolina families through HealthCare.gov and every carrier on the Marketplace, then handle the paperwork for you.
2027 Open Enrollment: Nov 1, 2026 – Jan 15, 2027
Enroll by Dec 15 for coverage starting Jan 1. Consultations are always free.
Self-Enroll Now →
Start your Marketplace application in minutes — we'll finish it with you
Nobody should lose sleep over coverage. That is why I answer the phone myself.
Licensed agent, Instant Health Coverage
- HealthCare.gov
- Multiple carriers
- Subsidy experts
Year-round support
Claims questions, ID cards, plan changes.
Same advisor, every time you call.
No cost
To you
Before we talk
What to have ready for your consultation
A few details in hand make your free call faster and let us give you an accurate answer the same day.
Household income
Recent pay stubs, tax return, or an estimate of your yearly income for everyone in your household.
Household size
Who you claim on your taxes, including a spouse, kids, or other dependents.
Current doctors
Names of the doctors and specialists you want to keep seeing, so we can check which plans include them.
Prescriptions
A list of medications you take regularly, so we can compare drug coverage and copays across plans.
Coverage dates
The date your last plan ended or will end, so we can line up your new coverage without a gap.
What neighbors say
Hundreds of North Carolina families served
I was denied Medicaid and panicking. They had me enrolled in a Marketplace plan the same week for less than I expected.
Denise M.
→ Greenville, NC
My job ended and my coverage ended with it. One phone call and I understood every option in front of me.
Marcus T.
→ Rocky Mount, NC
They found extra benefits I did not know I qualified for and explained it all without any insurance jargon.
Carolyn B.
→ Wilson, NC
We got married in March and needed a family plan fast. The whole enrollment took one afternoon.
Jared P.
→ Tarboro, NC
My subsidy cut my premium by more than half. I would never have found that on my own.
Alicia R.
→ New Bern, NC
I was denied Medicaid and panicking. They had me enrolled in a Marketplace plan the same week for less than I expected.
Denise M.
→ Greenville, NC
My job ended and my coverage ended with it. One phone call and I understood every option in front of me.
Marcus T.
→ Rocky Mount, NC
They found extra benefits I did not know I qualified for and explained it all without any insurance jargon.
Carolyn B.
→ Wilson, NC
We got married in March and needed a family plan fast. The whole enrollment took one afternoon.
Jared P.
→ Tarboro, NC
My subsidy cut my premium by more than half. I would never have found that on my own.
Alicia R.
→ New Bern, NC
I was denied Medicaid and panicking. They had me enrolled in a Marketplace plan the same week for less than I expected.
Denise M.
→ Greenville, NC
My job ended and my coverage ended with it. One phone call and I understood every option in front of me.
Marcus T.
→ Rocky Mount, NC
They found extra benefits I did not know I qualified for and explained it all without any insurance jargon.
Carolyn B.
→ Wilson, NC
We got married in March and needed a family plan fast. The whole enrollment took one afternoon.
Jared P.
→ Tarboro, NC
My subsidy cut my premium by more than half. I would never have found that on my own.
Alicia R.
→ New Bern, NC
Just married
A new marriage opens a special enrollment window — we build the family plan before it closes.
Lost job coverage
Group plan ended? We enroll you on the Marketplace so there is no gap.
Denied Medicaid
A denial letter is not the end — most households qualify for subsidized Marketplace coverage instead.
For Medicare participants
Already on Medicare? You may qualify for extra benefits
This is separate from Marketplace enrollment. Many people with Medicare Part A and Part B don't realize that, depending on their Medicare and Medicaid status, they may qualify for extra benefits beyond Original Medicare.
Dental coverage
Cleanings, exams, and often major work like crowns or dentures, at little to no extra cost.
Vision coverage
Eye exams and an allowance toward glasses or contacts, included on many plans.
Hearing coverage
Hearing exams and help paying for hearing aids, which Original Medicare usually does not cover.
Over-the-counter card
A prepaid card loaded regularly for everyday items like vitamins, pain relievers, and first-aid supplies.
We'll check your Medicare and Medicaid status for free and let you know exactly which extra benefits you may already qualify for.
We are independent licensed health insurance agents and are not connected with or endorsed by the U.S. government or the federal Medicare program. Federal regulations require a Scope of Appointment be completed before we can discuss specific plan details, in accordance with all applicable laws and regulations.
Common questions
Questions about subsidies and deadlines
Straight answers to what we hear most from North Carolina families before they enroll.
Let us handle it
Call an advisor nowRequest a free consultation
Send a few details and a licensed North Carolina advisor will call you back. No cost, no obligation.
Shopping for an ACA Marketplace plan? Use the form below. Looking for an off-exchange plan instead? Get an instant quote without waiting for a callback.
Get a quote for off-exchange plansPrefer to enroll yourself first? Use our secure HealthCare.gov self-enrollment link below, then we'll follow up to help finalize your application and find the plan that best fits you or your family.
Self-enroll on HealthCare.gov- 252-904-2980Call anytime with plan questions
- joshualbyrd@aol.comSend questions by email
- Monday through Friday, 8:00 AM to 5:00 PMCall during business hours
- 116 McMillan Ave, Wallace, NC 28466Serving all of North Carolina — local, licensed Marketplace agents
- Open enrollment: Nov 1, 2026 – Jan 15, 2027Enroll by Dec 15, 2026 for coverage starting Jan 1, 2027. Special enrollment available year-round.