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Feel good about individual & family healthcare

At Bright HealthCare, we believe protecting yourself and your family with quality health insurance should be easy and affordable.

How is Bright HealthCare different?

Check out our plan benefits for 2021:

Individual & Family healthcare plans with even more to love

Whatever level you need, we’ve got you covered

Possibly the most challenging part of buying healthcare coverage is deciding which plan is best for you. Two main things to consider when making the choice:

  • How often do you expect to use your plan?
  • How much predictability would you like in your healthcare budget?


Gold Plans

Generous coverage & predictable costs

Best for: People who expect to use their coverage often: ongoing prescriptions, frequent provider visits, etc. Most benefits have copays, so costs are more predictable.


Silver Plans

Moderate premiums and costs

Best for: Those who expect to use their plans occasionally, and would like lower deductibles and more benefits than a Bronze plan.


Bronze Plans

Lower premiums and higher costs with use

Best for: Healthy individuals who want to minimize their monthly premiums and are comfortable with the risk of a higher deductible in the event of a high-cost health incident.


Catastrophic Plans

Lowest premiums

Best for: Those under age 30 who desire low premiums and expect minimal medical incidents. Coverage includes 3 primary care visits, then no other benefits until the maximum out-of-pocket (MOOP) is reached.

Here are some great plan options and add-ons:


Health Reimbursement Arrangement (HRA)

Now you can use HRA dollars from your employer on Individual & Family insurance from Bright HealthCare.

Learn more


Off-Exchange Plans

You can purchase a Bright HealthCare plan directly or through your agent, outside of the ACA exchange.

See plans

IFP Special Enrollment
IFP Special Enrollment

Life has changed a lot in the last year. Let’s get you covered!

As COVID-19 continues to change life as we know it, the federal government has reopened the insurance marketplace for a Special Enrollment Period. If your circumstances have been affected by COVID-19 — or you need insurance for any other reason right now — check out our plans.

More bright reasons to love Bright HealthCare!

Check out these helpful tools & services to help members simplify health insurance.

Need to make a payment?

See payment options

By entering my phone number, I agree that Bright HealthCare and/or a sales agent may call me 8am - 8pm local time M-F, provide me with information about the plan, and answer any questions I may have.

*Benefits listed are not included on all plans. $0 or $1 premium does not apply to all plans. Contact Bright HealthCare to see if you qualify.

*Pediatric Dental coverage included with all Bright HealthCare Individual Plans for children up to age 19.

Bright HealthCare is Bright Health Company of North Carolina