Health insurance is an insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system expenses, among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity. According to the Health Insurance Association of America, health insurance is defined as “coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment”

At 24Carat Insurance, we have our association with the following health insurers to help our clients achieve the propositions best suiting their requirements.

2023 Health Insurance Plans and Enrollment        Market Place plans and Enrollments

BCBS        BCBS HMO Providers       BCBS PPO Providers


CIGNA                                             CIGNA Providers

United Health Care

United healthcare                             Dental Insurance                               IHC