Affordable Health Insurance in North Carolina

Be Prepared with the most Suitable Health Coverage for Future, Because you Never Know it

Best Health Insurance Plans North Carolina

If you’re searching for affordable and benefit oriented health insurance plans in North Carolina, this short reckoner will tender you a helping hand. You can enroll for the 2020 coverage in the state from November 1, 2019 to December 15, 2019. If you’re looking for short-term health plans in the state, you can purchase one with initial plan terms up to 364 days.

Top Health Insurance plan in North Carolina

  • Blue Cross and Blue Shield of NC

    Blue Local Catastrophic (local network with Wake Forest Baptist Health)

    premium $180.24/mo

    Deductible $8150/yr

    Coinsurance1.5%
    Insurance Type POS
    HSA Eligible No
  • Bright Health

    Catastrophic 1

    premium $197.23/mo

    Deductible $8150/yr

    Coinsurance3%
    Insurance Type HMO
    HSA Eligible No
  • Blue Cross and Blue Shield of NC

    Blue Value Catastrophic (limited network)

    premium $218.45/mo

    Deductible $8150/yr

    Coinsurance1.5%
    Insurance Type POS
    HSA Eligible No
  • Blue Cross and Blue Shield of NC

    Blue Advantage Catastrophic (broad network)

    premium $250.95/mo

    Deductible $8150/yr

    Coinsurance1.5%
    Insurance Type PPO
    HSA Eligible No
  • Blue Cross and Blue Shield of NC

    Blue Local Bronze 8150 (local network with Wake Forest Baptist Health)

    premium $253.34/mo

    Deductible $8150/yr

    Coinsurance1.5%
    Insurance Type POS
    HSA Eligible No

North Carolina health insurance marketplace offers a wide range of insurance plans and riders if you’re self-employed or without insurance from your employer. As of now three insurers are offering 2019 coverage through the North Carolina exchange. Now Bright Health will join the North Carolina exchange in 2020 with plans expanded in the Charlotte and Winston-Salem areas. Till date, about 501,000 North Carolina residents enrolled in 2019 coverage through the exchange.

Individual and Family Health Insurance Plans:

You can buy individual or family health insurance plans in North Carolina, you need to be self-employed or without any group plan from the employer. These plans are handy if your existing health plans have high premiums. Following are the best health insurance plans in North Carolina you can buy to secure your beloved one’s health.

Short term health insurance:

These are flexible health insurance plans underwritten by Golden Rule Insurance Company. Short term health insurance is probably the great deal if you didn’t apply for Affordable Care Act (ACA) and you don’t qualify for Special Enrollment either. If your ACA coverage is yet to start, you can go for short term health insurance in North Carolina.

In North Carolina North Carolina, short term health insurance plans are available for up to 12 months. These plans can be renewed for up to 36 months. In the state, short term health insurance is backed by federal regulations. However, some private insurers as well apply their own regulations for these plans.

Dental Health Insurance Plans:

Dental insurance plans in North Carolina are designed to offer health coverage for common dental care issues. They offer you financial aid for dental health care services at all levels whether preventive, basic and major. In the state, dental insurance plans are underwritten by Golden Rule Insurance Company. They are best fit for all your dental coverage needs.

These convenient and flexible dental insurance plans offer budget for preventive care like routine cleanings and fluoride treatments without any deductibles or waiting period. Moreover, you can get budget for fillings or emergency treatment for dental pain and major services like retainers and root canals. Major services are subject to the plan’s deductible and waiting periods. The plan comes without any age restriction at all.

Vision Health Insurance Plans:

Vision insurance plans in the state are designed to help beneficiary with budget for ongoing vision care expenses such as routine eye exams, prescription glasses and contact lenses. North Carolina vision insurance is underwritten by Golden Rule Insurance Company that provides coverage for people of all ages without any waiting period. These plans are accepted by a national network of vision service and eyewear providers across the state.

In North Carolina, you can buy vision insurance in two ways. You can buy the plan as standalone vision insurance. It carries great benefits and more flexibility to choose glasses, contacts or both.
Another way in which plan is offered is a dental and vision insurance combo. You can add vision insurance rider to your dental insurance plan. The rider gives you access to vision care plan benefits like routine eye exams, allowances for prescription glasses and contacts.

Term Life Insurance:

Term insurance plans in the state allow lump sum monetary compensation to your dependents if you meet an unfortunate death. In North Carolina, term life insurance plans are underwritten by Golden Rule Insurance Company. The plan comes with a Critical Illness Benefit as well. The rider offers beneficiaries cash benefits if or she is diagnosed with a qualifying illness or death.

You can choose from multiple terms and benefit levels if heading for term plan. You needn’t to go with any medical examination for subscribing the plan. Moreover, you’re eligible for coverage until age 75.

Hospital and doctor indemnity insurance:

Hospital and doctor fixed indemnity insurance is also known as fixed-benefit insurance or fee for service insurance. Such insurance pays off fixed amount of money for specific services that your plan covers. You may this insurance for prescription drug copays or to pay your share of lab or diagnostic costs, like for blood tests or X-rays etc.

Hospital and doctor fixed indemnity insurance is handy in case you have to pay medical bills that are going out of budget. The plan is under by Golden Rule Insurance Company that allows you to pay preset benefit amount to meet unforeseen medical cost.

North Carolina Health Insurance FAQ

As per the Affordable Care Act, North Carolina residents are required to have a health insurance plan. However, the individual mandate penalty has been eliminated from most of the states and North Carolina is also one of such states. Therefore, residents of the state are no longer required to pay a federal tax penalty for not having health insurance. Thus, it is not mandatory for North Carolina residents to have health insurance, especially if they are unable to afford major health plans.
The Open enrollment period for 2021 health plans will run from November 1, 2020, through December 15, 2020. The annual open enrollment period provides individuals an opportunity to enroll in health plan coverage for the coming year, or they can make a change to their existing coverage. Individuals can use this period to renew their existing plans. People can also update the exchange about their income or household changes that have occurred in the past year. Outside of the open enrollment window, residents who have experienced a qualifying event can only sign up for health plan coverage or change their plan.
Yes. Short-term health plans are available in the North Carolina state. The short-term health plans are available in North Carolina with initial plan terms of up to 364 days, as the state defaults to federal regulations regarding short-term coverage. The total duration of short-term plans including renewal can be of up to 36 months.
After comparing different health insurance plans in the North Carolina exchange, it was determined that in most of the counties of North Carolina, either the Blue Advantage Silver 7500 or Blue Value Silver 7500 was the best and cheapest health insurance plan.

To find affordable and the cheapest health plan people generally prefer to compare health plans by metal-tier to determine the cheapest options available. Though it is not necessary that these plans will be available in every county in the state but people can consider them as a base to determine the benefits and costs they can expect for a given tier of coverage. The cheapest health plan by metal tier in North Carolina in 2020 include:

  • The cheapest Catastrophic health plan in North Carolina is Catastrophic 2 having a monthly premium of $196 for a 40-year old.
  • The cheapest Bronze health plan in North Carolina is the Blue Local Bronze 8150 plan having a monthly premium of $293 for a 40-year old.
  • The cheapest Expanded Bronze health plan in North Carolina is the Blue Local Bronze 6900 plan having a monthly premium of $306 for a 40-year old.
  • The cheapest Silver health plan in North Carolina is the Silver 4 plan having a monthly premium of $405 for a 40-year old.
  • The cheapest Gold health plan in North Carolina is the Blue Value Gold 3000 plan having a monthly premium of $453 for a 40-year old.
  • North Carolina will have six insurers offering health plans coverage for 2021 through the health insurance marketplace. The following six carriers will be operating in the state:

  • Blue Cross Blue Shield of North Carolina
  • Cigna
  • Ambetter
  • Bright Health
  • UnitedHealthcare
  • Oscar
  • Find a Right Affordable Plan For You

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