Health Insurance is one of the most important — and most confusing — decisions you make each year, and for 2026 the rules changed in ways that affect what you pay. The Jordan Insurance Agency is an independent, licensed agency in Charlotte, North Carolina that helps individuals, families, and small business owners compare Marketplace (ACA) plans, understand subsidies, and find coverage that actually fits — in plain English, at no cost to you. Start with the questions below.
Health Insurance Basics
- What is Health Insurance and how does it work?
- How much does Health Insurance cost per month?
- What is a health insurance deductible?
- What is a health insurance premium?
- Copays, coinsurance, and out-of-pocket maximums - how do they work?
- HMO vs. PPO — which is better?
- What is a high-deductible health plan (HDHP)?
Getting Covered: the ACA Marketplace
- How do I get health insurance in North Carolina?
- What is Marketplace (Obamacare/ACA) insurance?
- When is health insurance Open Enrollment?
- What is a Special Enrollment Period for health insurance?
- Can I buy health insurance on my own?
- How do ACA subsidies (premium tax credits) work?
- What is a 1095-A form and why do I need it?
- Do I have to have Health Insurance?
Your Situation
- What are my health insurance options between jobs?
- What is COBRA insurance?
- COBRA vs. Marketplace — which is better?
- How does health insurance work if I am self-employed?
- What are Health Insurance options for small business owners?
- Turning 26 — how do I get my own health insurance?
- How do I get health insurance if I retire before 65?
- How do I cover my family and kids with health insurance?
What's Covered
- What does health insurance cover?
- Does health insurance cover dental and vision?
- Can I be denied health insurance for preexisting conditions?
- Does health insurance cover therapy and mental health care?
- Does health insurance cover weight-loss medication (GLP-1s)?
- Does health insurance cover pregnancy and maternity care?
Costs & Ways to Save
- Why is health insurance so expensive?
- How can I lower my health insurance costs?
- HSA vs. FSA — what is the difference?
- Is short-term health insurance a good idea?
- What is hospital indemnity insurance?
Medicaid & If Money Is Tight
- Do I qualify for Medicaid in North Carolina?
- Medicaid vs. Marketplace insurance — what is the difference?
- What if I can't afford health insurance?
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