Health Insurance in Love Valley, NC 28677

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

For more than a decade, Health Insurance Advisors, a trusted Love Valley, 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 Love Valley, 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 Love Valley, 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 Love Valley, 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 Love Valley, 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 Love Valley, 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 Love Valley, 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 Love Valley, 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 Love Valley, NC

Love Valley is a town in Iredell County, North Carolina, United States. The population was 90 at the 2010 census, and in 2016 the estimated population was 104.

Love Valley is a small town located in a remote valley in the Brushy Mountains of northwestern North Carolina. Its creation in 1954 marked the fulfillment of a dream for founder Andy Barker. Barker developed two visions as a young man—he wanted to build a Christian community, and he wanted to be a cowboy. In 1954 he combined those visions to create an Old West-style village in the hills of northwestern Iredell County. The town was chartered in 1963.

Modeled after the Old West towns seen in countless Hollywood films, Love Valley boasts a saloon, general store, hitching posts, and rodeos. Automobiles are not allowed inside the town limits; people still use horses and horse-drawn vehicles to travel in the town. A small, nondenominational Christian church sits on a hill overlooking the town, thus emphasizing Barker’s vision of a Christian utopia. The town garnered its share of controversy in the 1960s and 1970s, including around the ‘Love Valley Rock Festival’, which local farmers complained brought drug addicts and other ‘troublemakers’ to the area. However, over the last two decades the town has settled down considerably and is now known as a popular gathering spot for horse-lovers and horseback riding. There are miles of horseback riding trails in the surrounding Brushy Mountains.

Learn more about Love Valley.

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