# Marsh Agency vs NCFBINS

The clearest difference is review sentiment: Marsh Agency at 72% against NCFBINS's 15%. Marsh Agency also leads on rating (4.4 vs 2.3) and ratings volume (886 vs 81). NCFBINS's advantage is update cadence (every 2 months vs every 5 months) and iOS requirement (15.0 vs 17.0). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Marsh Agency holds the better App Store score, 4.4 against 2.3. That said, the two scores are not equally well evidenced: Marsh Agency has 886 ratings behind it against 81, so its average is the more settled of the two. Written reviews point the same way: 72% of Marsh Agency's written reviews are positive against 15% of NCFBINS's.

Marsh Agency ships an update every 5 months, NCFBINS every 2 months. Both last shipped on November 6, 2026.

## The numbers

| Metric | Marsh Agency | NCFBINS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (886 ratings)](https://appshunter.io/ios/app/marsh-agency/id955886686/reviews)** | [2.3 (81 ratings)](https://appshunter.io/ios/app/ncfbins/id967263175/reviews) |
| Number of ratings | **886** | 81 |
| Positive reviews | **71.7% of reviews** | 14.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 32 MB | 47 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Marsh & McLennan Agency](https://appshunter.io/developer/1027461929) | [North Carolina Farm Bureau Mutual Insurance Company](https://appshunter.io/developer/967263174) |

## What reviewers say

### Marsh Agency

[App page](https://appshunter.io/ios/app/marsh-agency/id955886686)

Manage your HSA, HRA, and FSA health benefit accounts with ease. Quickly check balances, view claims, and submit receipts on the go. Securely access all your important account information anytime, anywhere.

**Highlights:** Check account balances 24/7, View account summaries and charts, Submit claims and receipts, Manage HSA transactions, Secure login with website credentials, Contact customer service

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick and easy reimbursement process
- 👍 User-friendly and intuitive app
- 💰 Convenient way to use HSA/FSA funds
- 🕰️ Time-saving features

**What reviewers complain about**

- 🐛 Slow app performance and crashes
- 🔒 Difficult login and security procedures
- 🤔 Unclear reimbursement policies and denials
- 💳 Issues with debit card usage and account access

**Reported bugs**

- Login failures and account lockouts
- Incorrect account balance display
- Compatibility issues with older devices

**Requested features**

- Auto-populate end date based on start date
- Allow editing of submitted claims
- Improve mobile app functionality and parity with website


### NCFBINS

[App page](https://appshunter.io/ios/app/ncfbins/id967263175)

Manage your N.C. Farm Bureau Insurance policies conveniently from your mobile device. Access policy details, make payments, report claims, and connect with your agent. View and save your insurance cards for easy access.

**Highlights:** Access policy information, Make payments, Report claims, View insurance cards, Contact agent

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Marsh Agency free?

Marsh Agency is free to download, with no in-app purchases.

### Is NCFBINS free?

NCFBINS is free to download, with no in-app purchases.

### Which has better reviews, Marsh Agency or NCFBINS?

Marsh Agency is rated higher. Marsh Agency averages 4.4 out of 5 from 886 ratings, while NCFBINS averages 2.3 from 81 ratings.

### Do Marsh Agency or NCFBINS have ads?

Neither Marsh Agency nor NCFBINS shows ads.

### Which is updated more often, Marsh Agency or NCFBINS?

Marsh Agency ships an update every 5 months, and NCFBINS every 2 months. Most recently, Marsh Agency was updated on November 6, 2026 and NCFBINS on November 6, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*