B R O A D R I V E R

Office Address

  • Brevard, North Carolina Office 22 Trust Ln. Ste #1 Brevard, NC 28712
  • 828-884-3885

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Carolina’s
Choice for
Health Insurance

Protecting Your Health, Securing Your
Future Since 2005.

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We Provide professional
Insurance Services

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Fill the Gaps in Your Medicare Coverage

Medicare Supplement

Secure your healthcare future and protect yourself from unexpected medical costs with Medicare Supplement insurance. Our plans help cover copayments, coinsurance, and deductibles that Original Medicare doesn’t pay.

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All-in-One Medicare Coverage

Medicare Advantage

Simplify your healthcare with Medicare Advantage plans that combine Part A, Part B, and may include additional benefits or Part D prescription drug coverage. 

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Affordable Health Insurance Under 65

Healthcare Marketplace

Navigate the ACA Healthcare Marketplace with confidence. Whether you’re self-employed, between jobs, or need individual coverage, we’ll help you find quality health insurance that fits your budget.

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Complete Your Health Coverage

Vision And
Dental

Protect your smile and sight with comprehensive dental and vision insurance. Enjoy extensive provider networks, coverage for preventive care, and no waiting periods.

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Our Story And Mission

Why Choose Broad River Insurance?

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Local Roots, Statewide Reach

Since 2005, we’ve grown from a small Brevard office to Western North Carolina’s premier insurance agency. Our success stems from one simple principle: treating every client like family.

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Award-Winning Excellence

Our achievements speak to our commitment:
BCBSNC 2023 Medicare Top 10 Agency AEP 2023 2023 Marketplace Elite Circle of Champions Consistent 5-star client satisfaction ratings

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Comprehensive Coverage Options

Partnered with North Carolina’s leading insurance carriers to bring you plans at competitive rates.

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Community-Centered Approach

Our agents don’t just work in Western NC, they live here. From Brevard to Canton, Lake Toxaway to surrounding communities, we understand the unique healthcare needs of our mountain region.

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19+

Years of experience

About Our Company

We Provide Insurance Policy for Any Purpose

Broad River Insurance is locally owned and operated in Brevard, and has been providing Western NC with the best service for Health Insurance, Life Insurance, and Medicare since 2005. We’re passionate about helping our customers select the coverage that meets their unique needs, and making sure they get the very most out of their plans to improve their health and their lives.

19+ Years of Experience

Serving Brevard and Western NC communities with integrity since 2005

Award-Winning Service

Recognized as BCBSNC 2023 Medicare Top 10 Agency and 2023 Marketplace Elite Circle of Champions

Local Experience

Our Brevard-based team understands your unique insurance needs and provides personalized solutions

Comprehensive Support

From ACA marketplace enrollment to Medicare Insurance guidance, we handle all your insurance needs

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Get a Quote

Start Your Journey to Better Coverage

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Ready to find the perfect insurance plan?

We’re here to simplify your search and enrollment. Finding a health insurance plan that fits your family’s financial and medical needs doesn’t have to be difficult. Our licensed insurance agents will help you compare options, understand benefits, and secure coverage that fits your budget. Get your personalized quote in minutes.


*This is a solicitation of insurance. By submitting this form, I expressly consent to sharing of my personal beneficiary information and to being contacted by the licensed insurance agent(s) from Broadriver Insurance Agency for the marketing of Medicare Insurance products (i.e., Medicare Advantage Plans (Part C), Prescription Drug Plans (Part D), and/or Medicare Supplement (Medigap) Products) and services. I’m aware the person who will discuss the products is a licensed and certified representative of Medicare Advantage organizations and/or stand-alone Prescription Drug Plans. Each of the organizations they represent has a Medicare contract. This licensed insurance agent may also be paid based on my enrollment in a plan. Enrollment in any plan depends on contract renewal. I am aware that the person who will contact me is not affiliated with or works directly for the Federal government. I understand that I may be contacted via telephone, email, text messaging, artificial or prerecorded voice messages, or automatic dialing at the contact information provided above (even if my number is currently listed on any state, federal, local, or corporate Do Not Call list). Carrier data use charges and rates may apply. I understand that my consent is voluntary and is not a condition of purchasing any goods or services, and that I may change my preferences at any time.

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Meet Our Team
Members

Nick

Nick Michalkow

Manager/Licensed Insurance Agent Brenda 1

Brenda Mullen

Licensed Insurance Agent Morgan 1

Morgan Folckomer-Shelton

Licensed Insurance Agent Susie 1

Susie Andrews

Licensed Insurance Agent Colton 1

Colton Shelton

Licensed Insurance Agent
Testimonials

What Our Customers Say?

I highly recommend for any insurance needs, I was about to loose my coverage, went in and talked with Paul explained my situation and he figured out what I needed and what I could afford and made it happen, my medication is life or death,without them I would not be able to get the medicine I need to live. Give them a call and see what they can do for you. If you already have them go give them a five star ,if I could do more I would.

Shawnee Owenby

I just have to RAVE about my experience with Morgan Shelton of Broad River Insurance. She was so helpful, understanding, and professional through all of my questions, concerns, and last-minute enrollment. Thank you, Morgan! I appreciate your assistance and kindness!

Larisa Griffin

You are in really great hands signing up with BRI for your healthcare and Medicare needs!!! We love Dawn!!!

Rudolf Grimm

From Blog

News And Updates

Stay informed with the latest health insurance news, Medicare updates, and coverage changes from Broad River Insurance. Get timely information on enrollment periods, policy updates, and healthcare developments

All News November 11, 2025

New HSA Rules for 2026: Bronze and Catastrophic Plans Now Eligible in North Carolina

ACA premiums are rising significantly for 2026 as federal subsidies expire and carriers exit North Carolina. Review your marketplace options before the December 15 open enrollment deadline. November 4, 2025

ACA Open Enrollment 2025: Rising Premiums and What to Do Before December 15th

UNC Health is leaving several Medicare Advantage networks starting January 1, 2026. Learn how North Carolina residents can protect their coverage before the Annual Election Period ends. October 22, 2025

Major Changes Coming to UNC Health Providers: Don’t Miss Your Chance to Prepare for 2026!