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About Us

Residents of North and South Carolina seeking to buy insurance online prefer to use an insurance expert with experience that can take a complicated process of comparing many different plans and benefits and simplify that process to give the buyer an objective analysis that explains why certain plans meet their best interests! Not only does ​Health Benefit Solutions Since 1993 service their insurance customers with finding the best coverage, we find the best coverage that is most affordable and available at the lowest cost for our customers.

Our North Carolina and South Carolina customers have trusted us over the years to save them a lot of time and money every year because we always keep their best interest in mind and not our own. ​Health Benefit Solutions Since 1993 in Charlotte is here to serve all your healthcare benefit needs with good value at an affordable cost with good benefits that saves you money.

Our Promise to You

Our Promise to You: “We will work hard to find you the best coverage for the best price, period.” And earn your business

Many so-called insurance experts merely offer the one-size fits all products that will give them the highest commissions. At ​Health Benefit Solutions Since 1993 we’re not satisfied until we find you absolute best product that offers you the most benefits for the lowest cost on a cost versus benefit comparative basis. Our insurance products will best meet your current wants, needs and most importantly your budget. Since 1993 we have made it our goal to advocate for the customer and only offer what is best for you, period.

Our experience and knowledge in the insurance industry since 1993, provides us with the unique ability to present you with very affordable coverage options. This will ensures, that your hard earned money is not being wasted on plans that do not work for you and your family. No matter the insurance need, be it New Type of life insurance with living cash benefits, telemedicine services (online DOCTOR visits no co-pay) that help maintain healthy lifestyles, or injury-accident supplemental insurance (that can eliminate your deductible, co-insurance) and short term medical coverage (50% cost savings to you) that protects you against financial loss, we are always researching plans that offer you the best value for every dollar you spend to help protect you and your family when you need it most.​

An Independent Advantage

We are Independent Agents in Charlotte, North Carolina, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. ​Health Benefit Solutions Since 1993 represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.