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Alternatives to Health Insurance in the Triad, Explained
Twelve plain-English guides. Start with the one that sounds most like you.
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- Honest about the limits
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We'll look at direct primary care options in your area and contact you with your estimate.
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We help Greensboro, Winston-Salem, High Point and Triad individuals and families compare three alternatives to insurance: direct primary care for everyday care, health care sharing for big unexpected bills, and discount plans for dental and vision. Each one has a job and a limit. The guides below explain both, with prices dated so you know how current they are.
We don't sell or recommend insurance. When a Marketplace plan or NC Medicaid is the better fit, the guides say so.
Every Option Compared
Marketplace, NC Medicaid and the 2027 work rules, short-term plans, health sharing, DPC and discount plans, side by side.
Read the guide →Health Sharing in the Triad
How health sharing works, what North Carolina law requires, and how the main programs compare, including the faith-based ones.
Read the guide →What It Costs
The full monthly price table, worked examples and how to choose an Initial Unshareable Amount.
Read the guide →Direct Primary Care
How DPC works, what North Carolina law says, concierge doctor vs DPC, and local practice vs virtual membership.
Read the guide →Dental Savings Plans
Discount plans for dental and vision, how they differ from dental insurance, and when they're worth it.
Read the guide →Vision Savings Plans
Discounts on eye exams, frames and lenses, how they differ from vision insurance, and what they cost.
Read the guide →Open Enrollment 2027
The 2027 dates and deadlines, what to do before the deadline, and the options that don't wait for it.
Read the guide →Missed Open Enrollment?
Special enrollment periods, Medicaid, COBRA, and what you can start any month.
Read the guide →Self-Employed
Options for contractors, trades and owner-operators who pay for everything themselves.
Read the guide →Turning 26 & Young Adults
Coming off a parent's plan or a student plan: special enrollment, Medicaid and the alternatives.
Read the guide →Early Retirees
Bridging from early retirement to Medicare at 65 without paying full price for every year.
Read the guide →Short-Term vs Health Sharing
North Carolina's 4-month short-term plan limit compared, in general terms, with health sharing.
Read the guide →Want to see what this would cost your household?
Tell us who needs care and what you pay now. We'll walk you through the options, including when insurance is the better fit.
Free, no obligation. Greensboro, Winston-Salem, High Point and Triad households.