Chinese-Speaking Health Insurance Agent in North Carolina
Dongni Chen (Anny) is a licensed health insurance agent who speaks Chinese (Mandarin and Cantonese) and English. She helps individuals and families in Raleigh, Cary, Chapel Hill, Charlotte and the rest of North Carolina compare and enroll in Obamacare (ACA) plans on HealthCare.gov, the marketplace North Carolina uses.[1] Working with a licensed agent costs nothing extra: agents are paid by the insurance companies, and your premium is the same as enrolling on your own.[2]
Looking for a health insurance broker in Raleigh or Charlotte?
In North Carolina, Dongni Chen is a licensed insurance agent for health and life insurance. Like a broker, she compares plans from several insurance companies rather than selling for one, and her help costs nothing extra.[2]
2027 Open Enrollment in North Carolina
How much does Obamacare cost in North Carolina?
For a 40-year-old with $30,000 in annual income who qualifies for a subsidy, the estimated Silver premium after the subsidy is about $155 a month anywhere in North Carolina. Bronze and Gold depend on where you live:[5]
| Area | Bronze | Silver | Gold |
|---|---|---|---|
| Raleigh / Cary | $10 | $155 | $177 |
| Chapel Hill | $5 | $155 | $178 |
| Charlotte / Ballantyne | $19 | $155 | $186 |
ZIP codes used: Raleigh / Cary 27513 (Wake County); Chapel Hill 27514 (Orange County); Charlotte / Ballantyne 28277 (Mecklenburg County).
Estimates use 2026 premiums with 2027 subsidy rules, and will be updated when 2027 premiums are published. A $0 premium does not mean free care: deductibles and copays still apply.
More household examples (in Chinese): Raleigh Obamacare prices · Charlotte Obamacare prices.
Things to know in North Carolina
- Medicaid. North Carolina has expanded Medicaid. Adults with lower income are usually screened for Medicaid first.[6]
- Immigration status. Starting in 2027, among non-citizens only green card holders and two other small groups can get federal subsidies; H-1B, F-1 and most other visa holders can still enroll at full price.[7]
Areas served in North Carolina
Raleigh / Cary / Chapel Hill
Dongni helps families across the Triangle, including Raleigh, Cary, Chapel Hill and Morrisville. See Chinese-speaking doctors in the Raleigh Triangle and Raleigh Obamacare prices (in Chinese).
Charlotte
She also helps in Charlotte, including Ballantyne and Matthews. See Chinese-speaking doctors in Charlotte and Charlotte Obamacare prices (in Chinese).
The rest of North Carolina is served as well. Help is by phone, WeChat and email, so anywhere in North Carolina works.
Licensed and verifiable
- Licensed insurance agent Dongni Chen, NPN 20635222.
- North Carolina license #20635222. Texas license #3102037. California license #4277633. Licensed in 28 states.
Common questions
Do I pay more if I use an agent?
No. Agents are paid a commission by the insurance companies. The plan and the premium are the same as enrolling on your own.[2]
Is there an office I need to visit?
No. Dongni works by phone, WeChat and email, so you can enroll from home anywhere in North Carolina.
Contact Dongni
Call (213) 322-8909, add WeChat 咚咚在美国（Anny） by QR code, or email dongnichen001@gmail.com. Mandarin, Cantonese or English is fine.
Also: Texas · New Jersey · All states
Sources
Sources checked on October 14, 2026. Links open in a new tab. Rules may change; the official sources are final.
- [1] CMS: States by Marketplace Type for Plan Year 2027. North Carolina uses the HealthCare.gov marketplace.
- [2] HealthCare.gov: Get help applying for health insurance. “They may be paid a commission by health insurance plans when they help enroll you in…”
- [3] CMS: Statement regarding City of Columbus litigation (Aug 4, 2026). “Open Enrollment at the Federally-facilitated Exchange will begin on November 1, 2026, and end on January 15, 2027.”
- [4] HealthCare.gov: Dates and deadlines. “December 15: Last day to enroll in or change plans for coverage to start January 1.”
- [5] Estimates use CMS Marketplace public use files (2026), IRS Revenue Procedure 2026-26, HHS 2026 poverty guidelines and the CMS default age curve, the same method as the site’s calculator.
- [6] Medicaid.gov: Medicaid and CHIP enrollment map; HealthCare.gov: Medicaid expansion & what it means for you.
- [7] CMS: Guidance on Noncitizen Eligibility for APTC and CSR for Plan Year 2027.