Affordable Health Insurance in North Carolina

From LoveToKnow Insurance

If your employer does not provide you with coverage, and you need to find affordable health insurance in North Carolina, keep in mind that it pays to do a little research. You should also purchase only the coverage you need, and decline any additional riders that will wind up costing you more money every month.

Insurance in North Carolina

All aspects of insurance within the state of North Carolina – health insurance or otherwise - are regulated through the North Carolina Department of Insurance. This agency serves the public in a variety of ways:

  • Regulates the insurance industry within the state
  • Licenses insurance agents in North Carolina
  • Accepts, investigates and acts upon any consumer complaints regarding insurance within the state
  • Provides insurance education information to consumers.
  • Assists seniors who reside in North Carolina with Medicare and Medicaid issues through the Seniors Health Insurance Information Program.

This agency can be a valuable resource when searching for affordable health insurance in North Carolina. The online library offers a wide variety of information regarding purchasing health insurance within the state as well as a complete listing of insurers licensed to offer policies within the state.

If you want to see a list of health insurance companies within the state who have received complaints from consumers through the Better Business Bureau before you decide on a company, go to the Better Business Bureau's website for North Carolina and the surrounding areas.

Find Affordable Health Insurance in North Carolina

Individuals and families who do not have health coverage through an employer, or who do not have sufficient coverage through an employer, have many different providers to choose from. When requesting policy quotes through various companies it will quickly become evident that there is a big difference between affordable health insurance and cheap health insurance. Make sure that you don't sacrifice the coverage you need in order to save a few dollars every month.

Here is a brief list of health insurance companies offering affordable health insurance coverage within the state of North Carolina:

Remember that the cost of your coverage will vary based on a variety of factors. If you are in poor health, or you want to pay nothing out of pocket when visiting a doctor, you will have a harder time finding coverage that is not expensive than someone in excellent health or someone who is willing to pay for some procedures out-of-pocket.

Preexisting Conditions

Obtaining health insurance without an employer-provided policy can be difficult and expensive enough, but couple this scenario with a preexisting condition and you are very likely to encounter difficulties when trying to find affordable health insurance in North Carolina.

The North Carolina Health Insurance Risk Pool (NCHIRP) is designed to provide affordable health insurance to eligible residents who cannot find reasonably priced coverage elsewhere due to a preexisting health condition. You may be eligible to join this health insurance pool if you:

  • Are a legal resident of North Carolina
  • You are not eligible for health insurance coverage as an employee of a company providing health insurance, or as the dependent of an employee
  • You are not eligible to participate in Medicare, Medicaid or another similar government sponsored program

There are additional requirements to qualify for this program. For information on how to enroll in this health care program, contact the NCHIRP office at (866) 665-2117.

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