Before subsidies, the benchmark silver plan for a 40-year-old in Wake County cost about $591 a month for 2026, and the North Carolina average for 2027 is $660 a month. Premium tax credits bring that down for many households, depending on income and family size. 4 insurers offered marketplace plans in Wake County for 2026.
Offering health coverage to employees in Raleigh? A group health insurance broker can compare small-group plans and newer options like individual coverage HRAs. Here are 10 benefits brokers nearby.
Small Business & Group Health Insurance Brokers near Raleigh
Licensed agents can compare plans available in Wake County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in Raleigh
- Raleigh's three networks worth checking before you pick a plan are WakeMed (Raleigh Campus, North Hospital and Children's Hospital), UNC Health (UNC REX Hospital and the North Carolina Heart & Vascular Hospital) and Duke Health (Duke Raleigh Hospital). Source
- UNC Health's main Raleigh hospital is UNC REX Hospital. Source
- Duke Health operates Duke Raleigh Hospital in the city. Source
- Public health in Raleigh is handled by Wake County Public Health, which runs health clinics and immunization services out of the Wake County Public Health Center. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Options for small employers
Traditional small-group plans, level-funded plans, ICHRAs (employees buy individual plans with tax-free employer money) and QSEHRAs for businesses under 50 employees.
Do I need a minimum number of employees?
Small-group rules vary by carrier and state. Many carriers write group plans for businesses with as few as one or two employees besides the owner; a broker can tell you what's available in North Carolina.
Self-employed with no employees?
Group plans usually need at least one non-owner employee. Solo owners typically buy individual coverage, often with a premium tax credit.
Frequently asked questions
What is an ICHRA?
An individual coverage HRA lets an employer give employees tax-free money to buy their own individual health plans. It works for businesses of any size.
Do benefits brokers charge employers?
Most are paid commissions by the insurer. Some charge consulting fees for larger groups or extra services; ask before you sign.
How much does small business health insurance cost in North Carolina?
Premiums depend on employee ages, location, plan design and how much the employer contributes. A benefits broker can quote several carriers and funding options side by side.
Small business in nearby cities
- Fuquay-Varina, NC 18 miles
- Zebulon, NC 18 miles
- Butner, NC 21 miles
- Angier, NC 23 miles
- Chapel Hill, NC 23 miles
- Carrboro, NC 26 miles
- Smithfield, NC 28 miles
- Selma, NC 28 miles
- Hillsborough, NC 30 miles
- Oxford, NC 34 miles