ACA Health Insurance for Duke Health + WakeMed
The Best Health Insurance Plans for Individuals and Families Who Use Duke Health + WakeMed
Health insurers, working to make health insurance costs more affordable while following Affordable Care Act regulations, have built smaller provider networks focusing on a local health system. In the greater Triangle area of North Carolina you can choose an insurer that focuses on Duke Health and WakeMed.
If your favorite doctors and providers are in the Duke Health or WakeMed system read this page to see how Chip can offer information and detailed plan recommendations, help you choose a plan, enroll you, and work as your servicing agent throughout the year for help with questions, any problems that arise and renewal ideas.
Health Insurers We Work With That Are In-Network with Duke Health + WakeMed
First step…How will you purchase a plan?
Will you choose the plan “On-Marketplace” (with an instant tax credit to help lower the the premium costs)? Or “Off-Marketplace” (without a tax credit)? This is an important step, to determine if you qualify to receive a tax credit, or not. Read below to determine eligibility.
On-Marketplace
Will you receive instant tax credits to lower costs?
Tax credits, officially called “Advanced Premium Tax Credits” or APTCs, are figured in a formula that takes into account the ages of each covered person, family size, zip code, and the family's income (on your tax return).
Will your family’s annual income this current year (you will have to estimate) fall under these income thresholds corresponding to the number of people in your family?
Note: Other information being equal, the income thresholds vary by your current age (the older your age the higher the threshold, the younger you are, the lower the threshold). Here we show an average age of 45 for the adult family members (Contact Chip below and he will calculate the income threshold specific to your family).
-approximately $76,000 for a family of 1
-approximately $153,000 for a family of 2
-approximately $204,000 for a family of 3
-approximately $245,000 for a family of 4
-approximately $280,000 for a family of 5
-approximately $290,000 for a family of 6
Second question…Will you or your spouse NOT have access to an employer-sponsored health insurance plan through work? (regardless of if you choose the employer coverage)
If your family income is under the threshold and you answer “ no” to the second question you will receive instant tax credits! This could bring the monthly premium cost down by 20, 40, 60%. For some the premium cost is even $0.00 monthly!
We’ll need to enroll you through the healthcare dot gov marketplace to lock in those tax credits. Chip can do this enrollment work for you.
Off-Marketplace
Will you not receive tax credits?
If your family’s income is over the threshold, OR you or your spouse have access to an employer-sponsored health insurance plan, you are not eligible for tax credits.
But you are still eligible to choose your own individual or family health insurance plan from the health insurers that feature Duke Health and WakeMed in their provider networks!
We can enroll you directly with the insurer and skip the frustrations of enrolling the healthcare dot gov way. Chip can do this enrollment work for you.
Second Step…Request a Free Personalized Quote Be Emailed to You
Complete the form below and Chip will send you an email with recommended quotes of insurance (including detailed ideas of premium costs and benefits). All in a conversational, “plain speak” explanation of the details Chip is known for (see our reviews on the home page). You can review the information, then follow up with your questions.
Note: Privacy is something we take seriously. The minimum of information is shared with an insurance company to put together a detailed free quote and illustration for you.
Chip Millard is a member of Healthcare.gov's "Champions Circle."
A distinction awarded to health insurance agents and brokers who go above and beyond to increase access to health insurance (helping local people understand their benefits and costs options, and helping them enroll) in their communities.
Duke Health and WakeMed Network Plans We Recently Helped Clients With:
Below are 3 success stories we have found on the Marketplace in helping our customers obtain their own health insurance plan:
A 26 Year Old Non-Profit Director in Raleigh
Kayla, 26, has finished graduate school and is starting a new job with a local non-profit. The non-profit does not offer an employer-sponsored health insurance.
We calculated her tax credit (based on her income), which takes care of most of the premium cost, and Kayla chose an Aetna CVS Health Silver Enhanced plan. The premium cost is $86.41 monthly. (She could have chosen a Bronze level plan with a $0.00 premium cost)
The plan Kayla chose makes what she uses most, primary care visits and preventative care, $0 copays! And she can visit her favorite providers in the Wake Med system near her home and workplace.
A Semi-Retired Couple Picks an H.S.A. with Duke Health
A 62 year old couple recently relocated to Hillsborough, and are semi-retired from business ownership. Both UNC and Duke providers are nearby, but they want to use Duke providers exclusively.
Chip explained all the benefits of the H.S.A. (health savings account) plan type, and they chose the Aetna CVS Health Bronze 2 H.S.A plan. Since their semi-retirement income is lower, $75k, the tax credit reduces the monthly premium cost down to $283.58.
The couple have both Duke Health providers as in network, and a H.S.A. to utilize to pay for qualified medical expenses in a pre-tax way.
A Family of 4 Health Chooses Their Own Health Insurance
A family of four living near Duke University’s campus needed their own health insurance plan, as one spouse had left her biotech firm to work as an independent consultant.
The family; ages, 44, 42, 12, and 10, with an annual income of $105k, receive a tax credit at over $1,100 monthly. They chose the CIGNA Bronze Standard 7500 Plan with Duke Health and WakeMed, at a $895.19 monthly cost.
Now the family can visit all of the Duke Health providers nearby, and their plan has copays for primary care visits and prescriptions (the benefit they most wanted copays for).
Overwhelmed? No worries! Chip can help.
For many, navigating the Marketplace site and choosing coverage feels like an obstacle course. See below how Chip can help, doing most of the work along the way:
You Request a Free Quote or Contact Our Office
Begin the free process of working with Chip by requesting a quote (or contact us via phone, email or text). Chip will receive your info., calculate your tax credit, and research current plans. He’ll then compile all the info into an initial email he will send you ASAP.
Easy to Understand Plan Ideas + Questions Answered
You can review all the emailed information in your own time, then follow up with Chip with your questions. He’ll take the time to answer your questions via email, phone, text, Zoom / Google Meet, or an in-person meeting at his office.
Chip Enrolls You in the Health Insurance Plan You Choose
The healthcare dot gov enrollment site or insurer site can feel like a puzzle to solve. Chip can enroll you in the plan you choose, then work to follow up with any requested items (proof of income, prior coverage, etc. He’ll then work to ensure your ID cards and policy arrive quickly.
Like to complete the healthcare dot gov application yourself? Add Chip as Your servicing agent for help in the future.
If you are completing the application yourself at healthcare dot gov, and would like to have a servicing agent to assist you throughout the year, you can add Chip to your plan as the servicing agent.
There is NO COST to you in doing so. The insurance company pays a fee to our office to be of help to you. Your rate can not be higher than the rate for a plan without an agent.
Chip can help with questions, claims issues, billing changes, getting you a new ID card, etc., and help you choose plans each year during the annual enrollment period.
Click on “Agent or Broker,” then when the “Tell us about the agent or broker” box appears type in First name: Charles, M.I.: O, Last name: Millard, National Producer Number (NPN): 6603024.