Providing Health Insurance For Over 30 Years

Health Insurance Advisors is competent, confident, and licensed to provide unmatched health insurance services at competitive rates. We’ve helped millions of members apply and receive appropriate health insurance benefits, and we can’t wait to include you among them.
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innovative health coverage

We understand that one size does not fit all. That's why you get access to a full portfolio of health insurance plans tailored to your specific needs.

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Dedicated agents

We provide extensive evaluations to ensure your health insurance benefits fit your situation, budget, and convenience.

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customer oriented

Health Insurance Advisors strives to develop and maintain long-term relationships with our members, constantly delivering on our promise of dependability.

Untitled design 58

innovative health coverage

We understand that one size does not fit all. That's why you get access to a full portfolio of health insurance plans tailored to your specific needs.

Untitled design 59

Dedicated agents

We provide extensive evaluations to ensure your health insurance benefits fit your situation, budget, and convenience.

Untitled design 60

customer oriented

Health Insurance Advisors strives to develop and maintain long-term relationships with our members, constantly delivering on our promise of dependability.

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Health Insurance in Salisbury, NC 28144

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

For more than a decade, Health Insurance Advisors, a trusted Salisbury, NC health insurance advisor has been helping business owners, families, and individuals in Rowan 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 Salisbury, 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 Salisbury, NC

Having the right health insurance plan is extremely important. With the high price of healthcare in Rowan 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 Salisbury, 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.

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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 Salisbury, 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 Salisbury, 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 Salisbury, 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 Salisbury, NC Health Insurance Advisor

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


Some information about Salisbury, NC

Salisbury is a city in the Piedmont region of North Carolina; it has been the county seat of Rowan County since 1753 when its territory extended to the Mississippi River. Located 44 miles (71 km) northeast of Charlotte and within its metropolitan area, the town has attracted a growing population, increased by some 28 percent to 33,663 between the 2000 and 2010 Censuses.

In 1753 an appointed Anglo-European trustee for Rowan County was directed to enter 40 acres (16 ha) of land for a County Seat, and public buildings were erected. The deed is dated February 11, 1755, when John Carteret, 2nd Earl Granville conveyed 635 acres (257 ha) for the ‘Salisbury Township’. The settlement was built at the intersection of longtime Native American trading routes. It became an economic hub along what was improved as the Great Wagon Road in North Carolina. It became the principal city of the Salisbury judicial and militia districts in the years leading up to the American Revolutionary War. On June 12, 1792, Salisbury was granted a US Post Office. Its first postmaster was George Lauman. This post office has been in continuous operation ever since.

In the antebellum period and after the American Civil War, Salisbury was the trading city of an upland area devoted to cultivation of cotton as a commodity crop. It was also the business and law center of the county. Numerous houses and other structures were built by wealthy planters and merchants in this period. In the late 19th century, the city was served by railroads, becoming a railroad hub as people and freight were transported along the eastern corridor.

In the 20th century, Salisbury’s economy grew into an industrial-based economy. Entrepreneurs developed the textile industry for processing cotton, first, and numerous textile mills operated in the city.

Learn more about Salisbury.

Directions from Salisbury, NC to Health Insurance Advisors

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