INSURANCE
Health, Life, and Supplemental Insurance
Coverage explained in plain language by a licensed North Carolina agent, with no pressure and no cost to you for the guidance. For individuals, families, self-employed people, and visiting relatives.
Licensed NC agent · Multiple carriers compared · English, Hindi and Nepali
WHAT COVERAGE ARE YOU LOOKING FOR?
Health Insurance (ACA Marketplace)
Health →
Life Insurance
Life →
Dental & Vision
Dental →
Visitor & Travel
Visitor →
Want to read first? See the Insurance Guides.
- Licensed NC insurance agent
- Plans compared
- Tax credit handled with your return
- Office in Cary, serving the Triangle
- English, Hindi and Nepali
HEALTH INSURANCE
Open Enrollment starts November 1
Marketplace coverage for 2027: November 1, 2026 to January 15, 2027. Enroll by December 15 to be covered from January 1.
Coverage from January 1
Coverage from February 1
Life events only
Why insurance decisions are hard to get right
Insurance tradeoffs are complicated. A lower premium can cost more over the year. A plan can exclude a specialist you already see. A policy that looks affordable can have a coverage limit that fails exactly when you need it.
For Marketplace coverage there’s another layer. The premium tax credit is based on the income you estimate for the coming year, and it’s reconciled against your actual income on your tax return. If the estimate is far off, you may have to repay part of the credit at filing time.
That's where having your tax and insurance handled together matters.
Because I prepare returns as well as place coverage, I can watch both sides during the year and flag a problem before it becomes a bill.
Which coverage do you need?
Health Insurance (ACA Marketplace)
Marketplace plans for people without employer coverage, including premium tax credit guidance, plan comparison, and help with the tax reconciliation.
Life Insurance
Term and permanent coverage, with an honest assessment of how much you need and which type fits. Includes business-owner and buy-sell coverage.
Dental & Vision Insurance
Adult dental and vision coverage, which most health plans don’t include. Includes a straight answer on whether a plan is worth the premium for you.
Visitor & Travel Insurance
Medical coverage for parents and relatives visiting the United States, and travel medical coverage for trips abroad. Pre-existing condition terms explained clearly.
How I work
The guidance costs you nothing. Agents are paid by the insurance carriers, and Marketplace plan prices are the same whether you enroll through an agent or on your own.
I compare options rather than sell one product. You see the tradeoffs, and you choose.
I’ll tell you when coverage isn’t worth it. Sometimes the honest answer is a smaller policy, a cheaper type, or no policy at all.
I’m available after enrollment. If your income changes, a claim question comes up, or it’s time to renew, you call the same person.
I serve clients in English, Hindi, and Nepali. That matters most for families navigating U.S. insurance for the first time, or arranging coverage for visiting parents.
FREE GUIDES
Insurance Guides
HMO vs PPO, key terms, life events that change your coverage, and how insurance meets your taxes.
Insurance questions
Does it cost more to use an agent?
No. Plan prices are set by the carriers and are the same with or without an agent. The guidance is free to you.
Can I compare plans myself first?
Yes. Use the Compare Health Plans & Enroll button above to browse Marketplace plans and prices. Using it keeps me as your agent, so you can call with questions before or after you enroll.
Can you help with coverage for my parents who are visiting?
Yes. Visitor medical insurance is built for exactly that. The key question is how each plan treats pre-existing conditions, and I’ll go through that with you in plain terms.
Not sure which coverage you need?
Tell me who needs coverage and what matters to you, and I’ll lay out the realistic options.
Yogesh Parajuli is a licensed North Carolina life and health insurance producer (NC License #18677737). Plan comparison and enrollment are provided through HealthSherpa, an approved web-broker platform. Triangle Tax and Insurance is not affiliated with or endorsed by HealthCare.gov, the Centers for Medicare & Medicaid Services, or any government agency. Plan availability, eligibility, and premium tax credits depend on your individual circumstances. This page is general information, not a recommendation of any specific plan.