Health Insurance in Mooresville, NC 28115

3 Important Factors to Consider When You’re Looking for Affordable Health Insurance in Mooresville, NC

For more than a decade, Health Insurance Advisors, a trusted Mooresville, NC health insurance advisor has been helping business owners, families, and individuals in Iredell County find affordable health insurance plans. Whether you’re looking for a group, an individual, or a family health insurance plan, you can count on our team of highly knowledgeable and skilled experts to help you design an effective insurance program that will be customized to meet your unique needs.

Our competitively-priced plans offer optimum protection; what’s more, we make enrollment quick and easy. When you choose Health Insurance Advisors as your Mooresville, NC health insurance advisor, you can feel confident knowing that you’ll find comprehensive, yet affordable health insurance for yourself, your family, or your employees.

3 Things to Consider When You’re Looking for Affordable Health Insurance in Mooresville, NC

Having the right health insurance plan is extremely important. With the high price of healthcare in Iredell County, even minor ailments and injuries, such as a sore throat or sprained ankle, can cost a fortune and cause serious financial strain.

As such, you want to make sure that you find an affordable health insurance plan that offers comprehensive coverage. Of course, finding a plan that ticks off both of these boxes is a lot easier said than done, but it is possible; you just have to know what factors to consider.

When you’re researching Mooresville, NC health insurance plans, take the following factors into consideration and you should be able to find a policy that will offer reliable coverage at a price that you can afford.

Premium, Deductible, and Your Health

The premium and deductible have a direct impact on the cost of your health insurance. The premium is the price you pay each month to maintain your plan. A deductible is an up-front contribution that you’ll need to pay before the insurer will payout.

If affordable health insurance is your goal, a low premium can be very attractive; however, do bear in mind that some Mooresville, NC health insurance companies can charge low premiums, but the deductibles are high, which can really hit you in the pocket when you do need to file a claim. On the other hand, higher premiums translate to lower deductibles, so while you’ll pay more each month, you’ll pay less when you need to file a claim.

When you’re weighing your options, consider both the premium and deductible, as well as the state of your health. If you want affordable health insurance and you’re in generally good health, a low premium and high deductible may work for you; however, if your health is poor or you’re exposed to hazardous conditions on a regular basis, a higher premium and lower deductible may be a better choice.

Prescription Coverage

Are you currently taking prescription medications on a regular basis for a chronic condition? If so, when you’re looking for affordable health insurance, check to make sure the drugs you are taking are featured on the formulary (a list that features the drugs the insurance company covers) of the plan you are considering. If the medications you are taking aren’t covered by a Mooresville, NC health insurance plan, cross it off your list, otherwise, you’ll likely end up having to pay exorbitant out-of-pocket expenses.

Health Savings Account

It’s also a good idea to consider whether or not contributing to a health savings account (HSA) is something that you are interested in. Basically, an HSA is like personal savings account that you can use to cover the cost of your medical expenses. If you have disposable income, this is a great option if you want to build an emergency fund for your healthcare costs. Individuals and families can make thousands in tax-deductible contributions to their accounts.

Do note that you will need to qualify for a health savings account. To qualify, your Mooresville, NC health insurance plan will need to support it, and you cannot be claimed as a dependent on somebody else’s tax return. If you want to protect yourself from unexpected – and costly – healthcare expenses, an HSA is an option worth considering.

Contact a Trusted Mooresville, NC Health Insurance Advisor

For help finding an affordable health insurance plan in Iredell County that offers comprehensive coverage, contact Health Insurance Advisors. To speak to one of our advisors, call 704-230-1038 today!

Some information about Mooresville, NC

Mooresville is a large town located in south western section of Iredell County, North Carolina, United States and is a part of the fast-growing Charlotte Metro area. The population was 32,711 at the 2010 United States Census. In 2019, the population had increased to 39,132, making it the largest municipality in Iredell County. It is located approximately 25 miles (40 km) north of Charlotte.

The area that would develop into the town of Mooresville was originally settled by English, German, and Scot-Irish families who moved into the area from nearby Rowan County, as well as from Virginia, Pennsylvania and elsewhere. Many were seeking new lands on which to establish farms. Many of the early families such as the Wilsons, Davidsons, Cowans, Sherrills, Torrances, and others came to the area as early as the mid-1700s. They formed small communities that eventually grew into the community known as ‘Deep Well’, which took its name from a large natural well that was found in the area.

Many of these families established large farms, primarily of cotton, which grew into small plantations by the 1850s. Major Rufus Reid was the most prominent planter in the area, enslaving 81 African Americans on over 2,000 acres (810 ha) of land. His property was known as Mount Mourne Plantation, named after the Mourne Mountains of County Down in Northern Ireland. Several other historic plantation homes are set in the area as well, including the Johnson-Neel House, the Cornelius House, Forest Dell Plantation, and the colonial era Belmont Plantation.

In 1856, a railroad was placed on a ridge that crossed the land of a local farmer by the name of John Franklin Moore. A small scale planter, Moore set up a depot on his land, and encouraged others to help establish a small village on the location in the late 1850s. The little village, known as ‘Moore’s Siding’, was born. The Civil War hampered developments, with the railroad tracks being removed to aid the Confederate efforts in Virginia. After the war, the tracks were returned, and Moore’s Siding slowly began to prosper.

Learn more about Mooresville.

Directions from Mooresville, NC to Health Insurance Advisors

← Previous Service LocationNext Service Location →