Individual and Family health Insurance in NC

Dalton Insurance helps individuals, couples, and families compare ACA marketplace options, private plans, and local networks in Western NC. Whether you are self-employed in Brevard, new to the area, or replacing employer coverage, we guide you through enrollment and plan selection so your doctors and prescriptions are covered at a sensible cost. If retirement is on the horizon, we can also point you to medicare insurance resources when eligibility begins.

Affordable Care Act plans

Enrollment windows

Open Enrollment usually starts in early November. Special Enrollment is available after qualifying events like marriage, a move, or loss of coverage. We help confirm your window and handle the application.

Subsidies and savings

Many households in North Carolina qualify for premium tax credits. We estimate monthly costs, cost-sharing reductions, and out-of-pocket exposures so you can choose a plan with confidence.

Plan levels and networks

Bronze, Silver, and Gold plans balance premiums and costs differently. We check Western NC networks, including Mission Health and local clinics in Transylvania County, to keep your preferred doctors in reach.

Choosing a Plan for Your Needs

Doctors and hospitals

Your care team matters. We verify that primary care, pediatricians, and specialists are in network for Brevard, Hendersonville, and Asheville.

Prescriptions

We review drug lists for tier placement and prior authorization so there are no surprises at the pharmacy.

Family considerations

Pediatric dental and vision, urgent care access, and telehealth can be important for busy households. We outline how each plan supports these needs.

Compare Family Plans
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Beyond the Marketplace

Off-market plans

If you do not qualify for subsidies or want different features, we can review private plan options and explain how they compare to marketplace coverage.

Short-term insurance

For brief gaps, short-term insurance can begin quickly. We will outline limits and create a plan to move into ACA coverage as soon as you qualify.

Health sharing questions

If you are considering a health sharing program, we can explain how it differs from insurance and what that means for claims and protections.

Group 5

Answers to Common Questions

  • Can I keep my doctor on a marketplace plan

    We check networks before you enroll and confirm your providers.

  • What if my income changes midyear

    We help adjust your application and avoid surprises at tax time.

  • Is there a penalty for not having insurance

    There is no federal penalty, but the financial risk of being uninsured is significant.

Talk With An Agent
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