We represent six health insurance carriers and can shop the market to find the company that gives you the
most effective coverage and the most favorable premium.  We specialize in high deductible health plans,
also known as HSA plans, which feature lower premiums when compared to a traditional co pay plans and
allow you to shelter a portion of your income in a
tax exempt health savings account.  Dave Trout sold the
first high deductible health plan in Western North Carolina in 2005; these plans are utilized by over 80% of
our individual health insurance clients.  

To receive more information and a quote for individual health insurance, please
click here.  

Have you had a health insurance claim denied? The North Carolina Department of Insurance would like to
help.  Please
click here for more information.
Health Insurance
Trout Insurance is a full line insurance agency located in Asheville, NC.  Trout Insurance offers life, health, disability, Medicare supplement, long term care insurance home and auto insurance for
individuals as well as college funding  and retirement planning.  Christopher Smith, Dave Trout, Jan Trout and Ralph Redpath are independent insurance agents with Trout Insurance.  Christopher Smith
specializes in group health insurance, employee benefits, insurance needs for business owners, key person disability insurance, disability buy out insurance, individual life insurance, short term health
insurance,  disability insurance, long term care insurance, group long term care insurance and critical illness insurance.  
Dave Trout specializes in life and disability insurance, Medicare supplement
insurance, retirement planning for individuals and businesses, commercial business insurance and college funding.  
Jan Trout specializes in individual health insurance.   Ralph Redpath specializes in
home and auto coverage.  Web site design by
Christopher Smith.  Agency photo by Jason Sanford.