Programs
A Selection of the Best Government
and Private Health Plans
Obamacare Plans
- Subsidies available
- Multiple plan options
- Price flexibility
HMO Plans
- Low premiums/copays
- In network doctors
- 100% of services
PPO Plans
- Higher out-of-pocket costs
- Your choice of providers
- Varying % of services covered
Bronze Plans
- Low premiums/copays
- In network doctors
- 60% of services covered
Silver Plans
- Moderate premiums/copays
- In network doctors
- 70% of services covered
Gold Plans
- Higher premiums/copays
- In network doctors
- 80% of services covered
Short Term Plans
- Low monthly rates
- No enrollment period
- Next day coverage
Medicare Plans
- Low premiums/copays
- Keep your doctor/s
- Supplement Medicare costs
Medicare Benefits
Medicare Benefits - General Information
- People age 65 or older.
- People under age 65 with certain disabilities.
- People of all ages with end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant).
Medicare Part A (Hospital Insurance)
- It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits.
- Most people don't pay a premium for Part A because they, or a spouse, already paid for it through their payroll taxes while working.
Medicare Part B (Medical Insurance)
- It also covers some other medical services that Part A doesn't cover, such as some of the services of physical and occupational therapists and some home health care.
- Part B helps pay for these covered services and supplies when they are medically necessary. Most people pay a monthly premium for Part B.
Medicare Part D (Prescription Drug Coverage)
- To get Medicare prescription drug coverage, people must join a plan approved by Medicare that offers Medicare drug coverage.
- Most people pay a monthly premium for Part D.
If you’re a person with Medicare or help a person with Medicare, call BCI Health Benefits Solutions to find more information about Medicare.
Medicare Part C (Medicare Advantage)
Please contact BCI Health Benefits Solutions for more information.
Obamacare in North Carolina - Health Insurance Marketplace
HSA limit for 2024
Individuals can contribute up to $4,150 to their HSA accounts for 2024, and families can contribute up to $8,300.
Catch-up contribution limits for taxpayers 55 and older remain unchanged at $1,000.
There are no rollover limits for HSA contributions. Any amount left over at the end of the year will automatically roll over into the next.
FSA limit for 2024
Employer based, the 2024 maximum FSA contribution limit is $3,200.
For cafeteria plans that allow the carryover of unused amounts, the maximum carryover amount for 2024 is $640.
2024 Health Insurance Plans
- Plans for the New Year
- Short-term plans available to start
- Be Secure, Be Safe
- Get coverage for 2024
- Over 20 new plan options for 2024
- Contact us via email or phone
Catch-Up and Family Member Contributions
HSA holders age 55+ not to be confused with 401(k) and individual retirement account (IRA) catch-up contributions—can contribute an additional $1,000 to their HSAs.
However, “because an HSA is in one(1) individual’s name, there is no joint HSA even when you have family coverage—only the person age 55 or older can contribute the additional $1,000 in his or her own name,” Ex: If only one spouse is 55 or older but the younger spouse contributes the full family contribution limit to the HSA in his or her name, the older spouse must open a separate account to make the additional $1,000 catch-up contribution. If both spouses are age 55 or older, “they must have two HSA accounts in separate names if they want to contribute the maximum,” Another point about family contributions: “If your HDHP also covers your adult children who are not claimed as a dependent on your tax return, they can also contribute to an HSA in their own name if they don’t have other non-HDHP coverage,” However “they will have to open an HSA on their own with an HSA provider.”
Source: https://www.irs.gov/forms-pubs/about-publication-969
ACA's Limits Differ
There are two sets of limits on out-of-pocket expenses for health plans, determined annually by federal agencies, which can be a source of confusion for plan administrators.
Interested in a wellness program? Visit our siter company
Balanced Wellness for Life
Advanced Energetic Data-field Testing (AEDT) may help you detect early signs of medical concerns.
Keeping you well is less expensive than treating you when you are sick. It’s the concept of managed care.

























