The health insurance market in North Carolina is a dynamic environment characterized by various providers striving to meet consumer needs. These organizations, ranging from large-scale insurers to specialized agencies, offer a plethora of services including individual and family health plans, Medicare options, and supplemental insurance. An interesting trend is the growing emphasis on wellness programs and telehealth services, reflecting a shift towards a more preventive care approach. With the increasing complexity of healthcare, more residents are seeking personalized options to manage costs effectively while ensuring adequate access to medical services. Community engagement is a strong focus for many companies, driving innovative initiatives.


The list features 21 health insurance companies varying in size, from small agencies to large providers, all located in North Carolina. These firms, many founded in the mid-20th century, specialize in products like Medicare Advantage, self-funded plans, and individual health coverage. With headquarters spread across cities like Durham and Charlotte, they collectively employ a significant workforce and engage actively with local communities. Their offerings cater to a range of clientele, from individuals to large organizations, reflecting a commitment to tailored solutions in a complex healthcare landscape.


Continue reading to learn about the top health insurance companies in North Carolina.


Top 21 Health Insurance Companies in North Carolina


1. Blue Cross NC

  • Website: bluecrossnc.com
  • Ownership type: Private
  • Headquarters: Durham, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 99%
  • Founded year: 1933
  • Headcount: 5001-10000
  • LinkedIn: bluecrossnc

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) is a prominent health insurance provider based in Durham, North Carolina. Established in 1933, the company offers a wide array of coverage options, including individual and family health plans, Medicare, dental, and vision insurance. With a workforce of over 6,000 employees, Blue Cross NC serves a substantial number of consumers and businesses, helping them navigate the complexities of health care and insurance. The company emphasizes accessibility and affordability, ensuring that members have the resources they need to manage their health effectively. Blue Cross NC also plays an active role in the community, having contributed more than $200 million to initiatives aimed at fighting hunger and homelessness in North Carolina. Their commitment to diversity, equity, and inclusion further highlights their dedication to addressing health inequities and fostering a healthier community.


2. Bcbs Nc

  • Website: bcbsnc.com
  • Ownership type: Private
  • Headquarters: Durham, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1933
  • Headcount: 1001-5000
  • LinkedIn: bcbs-nc

Blue Cross and Blue Shield of North Carolina (BCBS NC) is a prominent health insurance provider based in Durham, North Carolina. Established in 1933, the company has been dedicated to offering a variety of health insurance plans tailored to meet the needs of individuals, families, and businesses. Their product lineup includes individual and family health plans, Medicare coverage, as well as dental and vision insurance. BCBS NC serves a wide range of customers, from private individuals to large employers, ensuring that they have access to affordable healthcare options. The company is also committed to community welfare, having contributed over $200 million to initiatives aimed at alleviating hunger and homelessness in North Carolina. This philanthropic approach, combined with their extensive experience in the industry, positions BCBS NC as a relevant and active participant in the health insurance market.


3. MedCost

  • Website: medcost.com
  • Ownership type: Private
  • Headquarters: Winston-Salem, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1983
  • Headcount: 201-500
  • LinkedIn: medcost

MedCost, founded in 1983 and based in Winston-Salem, North Carolina, operates as a health benefits management company. With a workforce of approximately 280 employees, MedCost provides a range of services that include self-funded benefits, pharmacy benefits, and wellness resources. The company serves members, employers, and healthcare providers, focusing on effective management of healthcare costs and facilitating access to essential services. MedCost's approach emphasizes self-funding, which allows employers to have more control over their health benefits and costs. They also offer a network of providers and various benefit plans, including dental and vision coverage. Their commitment to wellness and telehealth resources further enhances their service offerings, making them a relevant player in the health insurance industry.


4. Health Plans of North Carolina


Health Plans of North Carolina is a private health insurance agency based in Charlotte, North Carolina, founded in 2005. The company specializes in offering a variety of health insurance products tailored to meet the needs of individuals, families, and businesses within the state. Their offerings include individual and family health plans, Medicare plans, dental insurance, and group health insurance solutions. Health Plans of North Carolina prides itself on its local approach, employing licensed agents who are well-versed in the intricacies of the health insurance market in North Carolina. This local expertise allows them to assist clients in navigating their options effectively. The agency has garnered a positive reputation, reflected in their substantial number of customer reviews, indicating a strong level of client satisfaction. They operate as an authorized agency for Blue Cross and Blue Shield of North Carolina, which enhances their credibility and access to a broad network of healthcare providers. With over 9,000 active enrollments, Health Plans of North Carolina demonstrates a solid presence in the market, focusing on delivering quality service to its clients.


5. FirstCarolinaCare

  • Website: firstcarolinacare.com
  • Ownership type: Private
  • Headquarters: Southern Pines, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2001
  • Headcount: 51-200
  • LinkedIn: firstcarolinacare

FirstCarolinaCare Insurance Company, based in Southern Pines, North Carolina, is a private health insurance provider established in 2001. The company specializes in offering Medicare plans and employer group health insurance, catering to both individuals seeking Medicare coverage and businesses looking for employee health benefits. FirstCarolinaCare is dedicated to providing tailored health solutions, ensuring access to a broad network of healthcare providers. Their services include various Medicare Advantage products, such as FirstMedicare Direct and New Hanover Health Advantage, which are designed to meet the unique needs of their members. The company prides itself on its community-focused approach, emphasizing personalized customer service and care coordination. With a workforce of 51-200 employees, FirstCarolinaCare remains committed to enhancing the healthcare experience for its members in North Carolina.


6. HealthTeam Advantage

  • Website: healthteamadvantage.com
  • Ownership type: Private
  • Headquarters: Greensboro, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2015
  • Headcount: 51-200
  • LinkedIn: healthteam-advantage

HealthTeam Advantage, founded in 2015 and based in Greensboro, North Carolina, is a private health insurance provider that specializes in Medicare Advantage plans. The company offers a variety of services tailored to Medicare beneficiaries, including PPO and HMO plans, prescription drug coverage, and wellness programs. With a workforce of approximately 82 employees, HealthTeam Advantage prides itself on providing local support and personalized healthcare services to its members. The company operates in 33 counties across North Carolina, ensuring that its members have access to a broad network of healthcare providers. Their plans often feature zero-dollar monthly premiums, making healthcare more accessible for seniors. HealthTeam Advantage also emphasizes community engagement through local benefit centers and dedicated concierge services, enhancing the overall member experience.


7. Health Insurance Solutions


Health Insurance Solutions, based in Charlotte, North Carolina, is a private health insurance agency founded in 1999. With a small team of around 32 employees, the company specializes in providing individual health insurance solutions to consumers in North Carolina, South Carolina, and Florida. The agency is led by Sharon T. Nuttall, who has extensive experience in health education and insurance. Health Insurance Solutions focuses on helping clients understand their health insurance options and make informed decisions. The agency offers consulting services that guide individuals through the complexities of health insurance, ensuring they find suitable coverage tailored to their needs. Despite not having reported any funding, the company has maintained its relevance in the industry through its dedicated service and expertise in individual health insurance.


8. Globe Life Family Heritage Division - Schneider Agencies


Globe Life Family Heritage Division - Schneider Agencies, operating under the brand Protect 1 Family, Inc., is an independent insurance agency based in Charlotte, North Carolina. Founded in 2001, the company specializes in supplemental health insurance products aimed at providing financial protection to families and employees of small to mid-sized businesses. Their offerings are designed to help clients manage unexpected health-related expenses, ensuring that families are not left vulnerable during health crises. The agency operates across multiple states, emphasizing a mission to reach unprotected families and educate them about the benefits of supplemental insurance. Their policies feature a 'Return of Premium' option, which enhances their appeal by promising a refund of premiums if no claims are made during the policy term. This unique feature, along with their focus on customer service, positions them as a noteworthy player in the supplemental health insurance market.


9. Troy Medicare

  • Website: troymedicare.com
  • Ownership type: Venture Capital
  • Headquarters: Charlotte, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 89%, Romania 11%
  • Latest funding: Other (Debt), $10.0M, February 2022
  • Founded year: 2018
  • Headcount: 51-200
  • LinkedIn: troy-medicare

Troy Medicare, based in Charlotte, North Carolina, is a healthcare provider focused on offering Medicare Advantage plans to eligible individuals. Founded in 2018, the company aims to simplify healthcare for seniors by providing a single, straightforward plan that includes $0 premiums, $0 deductibles, and $0 copays for primary care and specialist visits. Their services also extend to routine dental, vision, and hearing benefits, along with a unique technology platform, Troy.AI, which helps ensure competitive pricing at local pharmacies. With a workforce of around 44 employees and a funding round that raised $10 million in early 2022, Troy Medicare is positioned to address the needs of seniors in North Carolina, particularly in counties where they operate. Their commitment to affordable healthcare solutions reflects a growing trend in the industry, focusing on enhancing access and reducing costs for Medicare beneficiaries.


10. Thrive Retirement Group


Thrive Retirement Group, based in High Point, North Carolina, is a private insurance agency established in 2002. The company specializes in Medicare and health insurance solutions, catering primarily to individuals seeking assistance with retirement planning and healthcare decisions. Thrive offers a range of products, including Medicare Supplement plans, Medicare Advantage plans, and various health insurance options. They also provide services related to life insurance and annuities, further supporting their clients' financial security in retirement. Thrive Retirement Group positions itself as a non-government resource for Medicare information, aiming to simplify the process for clients. Their commitment to personalized service is evident in their approach, which includes consultations and guidance tailored to individual needs. With a small team, they focus on building relationships and providing knowledgeable support to their clients, ensuring they make informed decisions about their healthcare and insurance needs.


11. Pierce Insurance Agency, Inc.

  • Website: pierceins.com
  • Ownership type: Private
  • Headquarters: Farmville, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1955
  • Headcount: 11-50
  • LinkedIn: pierce-insurance-agency-inc.

Pierce Insurance Agency, Inc., based in Farmville, North Carolina, has been a player in the insurance industry since its founding in 1955. This private agency specializes in employee benefits solutions and individual insurance products, catering to both businesses and consumers. With a workforce of 24 employees, Pierce Insurance focuses on providing tailored services that meet the unique needs of employers and individuals seeking financial security through various insurance options. Their offerings include life insurance, accident insurance, cancer insurance, critical illness insurance, hospital indemnity, dental and vision insurance, and long-term care insurance. The agency prides itself on its commitment to compassionate service and innovative solutions, aiming to support clients in navigating the complexities of employee benefits and personal insurance. They have established a significant presence in the public sector, serving over 700,000 in-force policies, and are recognized for their advocacy on behalf of employees. Pierce Insurance operates without external funding, relying on its established reputation and client relationships to sustain its operations.


12. American Insurance Marketing Solutions


American Insurance Marketing Solutions (AIMS), founded in 2004 and based in Charlotte, North Carolina, is a private insurance agency with a dedicated team of professionals. The company specializes in Medicare, life, and disability insurance, providing tailored solutions to meet the unique needs of individuals and families. AIMS emphasizes personalized consultations, ensuring clients receive the guidance necessary to make informed decisions about their insurance coverage. Their offerings include Medicare Advantage plans, Medicare Supplement (Medigap) insurance, and life insurance products. AIMS is committed to high service levels, aiming to be a trusted advisor for clients navigating the complexities of health and financial security. The firm operates entirely within the United States, focusing on the Medicare market, which is crucial for the aging population.


13. ACS Benefit Services, LLC

  • Website: acsbenefitservices.com
  • Ownership type: Corporate
  • Headquarters: Winston-Salem, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: June 2012
  • Founded year: 1982
  • Headcount: 51-200
  • LinkedIn: acsbenefitservices

ACS Benefit Services, LLC, based in Winston-Salem, North Carolina, has been a significant player in the health benefits industry since its founding in 1982. The company specializes in self-funded health plans and third-party administration, providing innovative solutions that help employers manage healthcare costs effectively. Their offerings include TRUEFunding, which allows for predictable monthly payments while still benefiting from self-funding, and CostPlus, which promotes price transparency based on Medicare pricing. ACS is dedicated to customizing health plans to meet the unique needs of each employer group, ensuring that they can provide tailored benefits to their employees. With a workforce of around 97 employees, ACS emphasizes high levels of customer support and has built a reputation for delivering comprehensive health plan solutions. Their recent partnerships with organizations like Delta Dental of North Carolina further enhance their service offerings, making them a relevant choice for employers seeking effective health benefit solutions.


14. Healthgram

  • Website: healthgram.com
  • Ownership type: Private
  • Headquarters: Charlotte, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1977
  • Headcount: 201-500
  • LinkedIn: primary-physiciancare

Healthgram, based in Charlotte, North Carolina, has been operating since 1977, providing tailored healthcare solutions primarily for midsize and large businesses. The company focuses on self-funded healthcare plans, allowing employers greater control over their healthcare investments. Healthgram's offerings include health plan administration, member advocacy, and the establishment of onsite clinics, all designed to enhance employee engagement and well-being while minimizing costs. Their proprietary Electronic Health Record (EHR) software integrates various health data sources, streamlining healthcare delivery for employers. Healthgram's commitment to improving the healthcare experience is evident in their proactive approach to member support and their emphasis on preventive care. They serve clients across all 50 states, demonstrating their extensive reach in the market.


15. Tidewater Management Group

  • Website: tidewatermg.com
  • Ownership type: Private
  • Headquarters: Raleigh, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2006
  • Headcount: 11-50
  • LinkedIn: tidewater-management-group

Tidewater Management Group, founded in 2006 and based in Raleigh, North Carolina, operates as a private insurance agency with a focus on Medicare and life insurance services. The company specializes in providing comprehensive support to insurance agents, which includes training, resources, and access to a wide array of insurance products. With a team of 11-50 employees, Tidewater Management Group has established itself as a field marketing organization dedicated to enhancing the efficiency and effectiveness of agents in the insurance market. Their offerings include Medicare Advantage, Medicare Supplements, and various life insurance products, along with complementary services such as hospital indemnity and dental coverage. The company prides itself on its commitment to agent support, ensuring that agents have the tools and knowledge necessary to succeed in a competitive environment.


16. The Jordan Insurance Agency


The Jordan Insurance Agency, established in 2006 and based in Charlotte, North Carolina, is a private insurance agency that specializes in a wide array of insurance products. With a small team of dedicated professionals, the agency operates as an independent broker, allowing clients to compare various insurance options from reputable providers. Their offerings include health insurance, life insurance, auto insurance, and homeowners insurance, among others. The agency is particularly focused on health insurance, providing tailored coverage for individuals, families, and small businesses. They also assist clients in navigating Medicare options, ensuring that seniors and those with disabilities have access to necessary healthcare coverage. The Jordan Insurance Agency prides itself on its customer-centric approach, emphasizing personalized service and thorough risk evaluation to meet the unique needs of each client.


17. White Insurance Agency, Inc

  • Website: whiteinsurance.com
  • Ownership type: Corporate
  • Headquarters: Black Mountain, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: May 2016
  • Founded year: 1952
  • Headcount: 11-50
  • LinkedIn: white-insurance-agency-inc

White Insurance Agency, Inc., established in 1952, is an independent insurance agency based in Black Mountain, North Carolina. With a team of approximately 31 employees, the agency specializes in a wide array of insurance solutions, including personal, business, and employee benefits insurance. They serve individuals, families, and businesses, focusing on providing tailored coverage to protect against various risks. Their health insurance offerings include individual health insurance, dental insurance, and Medicare supplement insurance, catering to the needs of their clients. The agency prides itself on a client-centric approach, ensuring that each policy is customized to fit the specific requirements of their customers. White Insurance Agency has built partnerships with over 50 insurance carriers, allowing them to present competitive options to their clients. Their commitment to service and community engagement has enabled them to maintain a reputable standing in the insurance industry for over six decades.


18. Fogle Insurance Group

  • Website: foglegroup.com
  • Ownership type: Corporate
  • Headquarters: Huntersville, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: June 2023
  • Founded year: 1983
  • Headcount: 1-10
  • LinkedIn: fogle-insurance-group

Fogle Insurance Group, based in Huntersville, North Carolina, has been serving the insurance needs of its community since 1983. As an independent agency, it provides a wide array of insurance products, including personal, business, health, and life insurance. The company prides itself on its ability to offer tailored insurance solutions that help clients manage risks and protect their assets. Fogle Insurance Group is particularly active in the health insurance sector, offering products such as Medicare Advantage Plans, individual health insurance, and group health benefits. Their commitment to customer satisfaction is evident in their community involvement and the positive feedback from clients, which highlights their focus on personalized service. With a small team of dedicated professionals, Fogle Insurance Group emphasizes building long-term relationships with clients, ensuring they receive the support and coverage they need.


19. Worksite Resources LLC

  • Website: worksiteresourcesllc.com
  • Ownership type: Private
  • Headquarters: Huntersville, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1999
  • Headcount: 1-10
  • LinkedIn: worksiteresources

Worksite Resources LLC, founded in 1999 and based in Huntersville, North Carolina, operates as a private insurance broker. The company specializes in offering a range of insurance solutions, including life and health insurance, property and casualty insurance, and healthcare marketplace services. With a small team of dedicated professionals, Worksite Resources emphasizes personalized benefit counseling and claims management, ensuring that clients receive tailored support in navigating their insurance needs. Their approach prioritizes customer service, treating clients as significant partners regardless of their size. Worksite Resources has established relationships with top insurance carriers, allowing them to provide clients with a variety of options and solutions. They also engage with local health organizations, offering specialized benefit programs designed to meet the unique needs of community health centers and local health departments.


20. LifeStore Insurance

  • Website: lifestoreinsurance.com
  • Ownership type: Private
  • Headquarters: West Jefferson, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1997
  • Headcount: 11-50
  • LinkedIn: lifestore-insurance

LifeStore Insurance, founded in 1997 and based in West Jefferson, North Carolina, is a private insurance agency that provides a wide array of insurance products, including personal, business, and employee benefits insurance. With a network of seven offices across northwestern North Carolina, the company has grown significantly since its inception, emphasizing customer service and community involvement. LifeStore Insurance represents over 25 insurance carriers, allowing them to offer tailored insurance solutions that meet the specific needs of their clients. Their team is dedicated to maintaining high professional standards, with many employees holding multiple professional designations. LifeStore Insurance also engages with industry organizations, such as the Independent Insurance Agents Association of North Carolina, to enhance their expertise and service offerings. This commitment to quality and community service underlines their role in the health insurance market, particularly in providing Medicare and health benefits.


21. Pinnacle Benefits Group

  • Website: pinnaclebenefits.com
  • Ownership type: Private
  • Headquarters: Winston-Salem, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1994
  • Headcount: 1-10
  • LinkedIn: pinnacle-benefits-group

Pinnacle Benefits Group, founded in 1994 and based in Winston-Salem, North Carolina, is a private insurance agency that specializes in supporting independent insurance agents. The company offers a wide array of insurance products, including health, life, and annuity options. Their primary mission is to empower agents by providing them with superior products, competitive commissions, and extensive training resources. Pinnacle Benefits Group has merged operations with Savers Marketing, enhancing their operational capabilities and support for agents. They focus on health insurance products such as Medicare Advantage, Medicare Supplement, and major medical plans, among others. This strategic positioning allows them to play a significant role in the health insurance market by equipping agents with the tools they need to effectively serve their clients.



Health Insurance Insights: Key Companies in North Carolina


CompanyHeadquarterSizeFoundedOwnership
Blue Cross NCDurham, North Carolina, United States (USA)5001-100001933Private
Bcbs NcDurham, North Carolina, United States (USA)1001-50001933Private
MedCostWinston-Salem, North Carolina, United States (USA)201-5001983Private
Health Plans of North CarolinaCharlotte, North Carolina, United States (USA)11-502005Private
FirstCarolinaCareSouthern Pines, North Carolina, United States (USA)51-2002001Private
HealthTeam AdvantageGreensboro, North Carolina, United States (USA)51-2002015Private
Health Insurance SolutionsCharlotte, North Carolina, United States (USA)1-101999Private
Globe Life Family Heritage Division - Schneider AgenciesCharlotte, North Carolina, United States (USA)11-502001Private
Troy MedicareCharlotte, North Carolina, United States (USA)51-2002018Venture Capital
Thrive Retirement GroupHigh Point, North Carolina, United States (USA)1-102002Private
Pierce Insurance Agency, Inc.Farmville, North Carolina, United States (USA)11-501955Private
American Insurance Marketing SolutionsCharlotte, North Carolina, United States (USA)11-502004Private
ACS Benefit Services, LLCWinston-Salem, North Carolina, United States (USA)51-2001982Corporate
HealthgramCharlotte, North Carolina, United States (USA)201-5001977Private
Tidewater Management GroupRaleigh, North Carolina, United States (USA)11-502006Private
The Jordan Insurance AgencyCharlotte, North Carolina, United States (USA)1-102006Private
White Insurance Agency, IncBlack Mountain, North Carolina, United States (USA)11-501952Corporate
Fogle Insurance GroupHuntersville, North Carolina, United States (USA)1-101983Corporate
Worksite Resources LLCHuntersville, North Carolina, United States (USA)1-101999Private
LifeStore InsuranceWest Jefferson, North Carolina, United States (USA)11-501997Private
Pinnacle Benefits GroupWinston-Salem, North Carolina, United States (USA)1-101994Private


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