North Carolina Health Insurance

Under the Affordable Care Act, North Carolina’s residents have many health insurance options for individuals and families who buy their own coverage as well as small employer groups.

The health insurance landscape in North Carolina boasts a wide plan selection. Healthcare benefits may be purchased on and away from the state’s exchange, obtained through an employer or enrolled in via public programs such as Medicaid and CHIP.

Residents can use HealthCare.org to obtain health insurance quotes for Obamacare major medical insurance plans, short term health insurance, supplemental health insurance, dental insurance and Medicare supplement.

North Carolina and the Affordable Care Act

North Carolinians can buy ACA-compliant health insurance plans on and away from the state’s exchange, which is operated by the federal government. North Carolina’s federally facilitated marketplace offers a selection of health plans that qualify for income-based financial assistance including premium tax credits and cost-sharing subsidies.

Small employer groups with 50 or fewer full-time employees can offer health benefits through SHOP—the Small Business Health Options Program.

Medicaid expansion in North Carolina

North Carolina has not expanded its Medicaid program to single, low-income adults.

Residents that want to apply for Medicaid must meet certain eligibility criteria set by the state and can find more information about application and eligibility at the North Carolina Medicaid website.

CHIP

Uninsured children in North Carolina may be eligible for coverage through the Children’s Health Insurance Program known as CHIP.

 

Health Information

North Carolina has slipped slightly in its healthy ranking over the last five years, resting at America’s 37th healthiest state. This ranking, given by the United Health Foundation, takes into consideration many health indicators, and compares them across the country. There are still many issues that need to be worked in North Carolina, which could increase the state’s overall healthiness. North Carolina is still, overall, below the national average, so both State officials and residents need to work together to improve the health status of their state.

What can be improved within the state? For starters, an increase in public health funding (which in 2008 was $50 per capita) is always encouraged, as it usually means that accessibility is improved, and it can help increase the percentage of Health Insurance coverage among the residents of the state. With a small push, North Carolina’s health system can be greatly improved.

 

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Insurance and Department of Health Information

North Carolina Department of Insurance
Dobbs Building
430 N. Salisbury St.
Raleigh, NC 27603-5926
Phone: (855) 408-1212
http://www.ncdoi.com/

North Carolina Department of Health and Human Services
101 Blair Drive
Raleigh, NC 27699
Phone: (919) 855-4800
http://www.ncdhhs.gov/