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How To Get Health Insurance In Nc

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The price of health insurance varies significantly depending on what policy you choose. Medicaid and Childrens Health Insurance Program are the least expensive options but are only available to qualifying low-income individuals.5 According to the current guidelines, a family of four with a monthly income of $2,904 to $4,607 would be considered low income.6

If you dont qualify for Medicaid or CHIP, you may be eligible for a tax credit to lower your monthly health insurance premium on a Marketplace plan. You may also qualify for cost-sharing reductions that reduce your out-of-pocket expenses when you receive medical care.7

If youre strapped for cash and cant fit a Marketplace plan into your budget, consider short-term insurance or catastrophic coverage. While these types of plans typically have low monthly premiums, they offer less coverage.

How Can I Get Health Insurance Fast

Through Medicaid or the Childrens Health Insurance Program

  • You can apply for free or low-cost coverage through Medicaid and CHIP any time, all year. If you qualify, you can enroll immediately.
  • See if you may qualify for Medicaid and CHIP before you apply.
  • Learn how to apply for Medicaid and CHIP.
  • Welcome To Our Virtual Classroom

    We’ll explore Health Insurance 101, give you some straight talk about costs, and hopefully, bring you a little clarity on how health insurance works.

    The information shown here is for educational purposes. All health plans are not the same! It’s important that you read the details of your own health plan or any plan you are thinking about buying.

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    Will You Attend School In State Or Out Of State

    If you live in North Carolina, you shouldnt have a problem finding a doctor who accepts your existing insurance plan. But if you come from out of state, its important to find out if there are providers near your school that accept your current health insurance. If you see a healthcare provider or go to a hospital that doesnt accept your health insurance, you might get stuck owing the whole bill even though you have coverage.

    Going Out of State for School?

    If you attend college out of state, find out if doctors near your school that accept your current health insurance

    High Deductible Health Plan

    How to Get Health Insurance in Asheville, North Carolina ...


    Both UNC and the enrolled employee share the monthly cost of coverage. The enrolled employee will receive a monthly bill for his/her portion of the monthly cost.

    Please contact to see if you are eligible for this plan.

    How Much Does it Cost?

    When does Coverage Begin/End?

    How to Enroll or Make Changes

    Health Plan enrollment and changes are made through ConnectCarolina Self Service or call the Benefits and Eligibility Hotline at: 855-859-0966.

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    Do Group Ancillary Or Supplemental Plans Have An Open Enrollment Period

    No. Employers can shop for a group plan* anytime during the year and set their own enrollment periods for their employees. They can also add extra benefits at any time.

    Our supplemental plans are available for members and don’t have an enrollment period.

    *Group plans are plans that are offered through an employer.

    North Carolina Dental And Vision Plans

    Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.4 They offer coverage for the dental and vision services many medical insurance plans dont include.

    From Charlotte to Raleigh, Asheville to Wilmington, explore these North Carolina health insurance options and more that may be available now.

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    What Plans Offer Better Health Insurance Coverage

    Qualifying health plans under the Affordable Care Act offer the most comprehensive coverage and are required to cover 10 essential health benefits, including emergency care, pediatric services, prescription medication, maternity care and more.8 These plans are typically the most expensive ones you can buy, but many people qualify for a premium tax credit or subsidy that makes them more affordable.9

    You could also buy a private health insurance plan directly from an insurer. Covered services vary by plan. So review the available benefits carefully. When choosing a policy, remember plans with lower monthly premiums typically have higher out-of-pocket costs. Plans with higher monthly premiums have lower out-of-pocket costs.

    When Can I Buy A Medicare Plan

    Answer Spot: Get the most from your BCBSNC Health Insurance

    You can buy a Medicare plan during the enrollment periods. You can also purchase a Medicare plan anytime you turn 65 even if it isn’t during an enrollment period.

    • Annual Enrollment Period is from every year.
    • Open enrollment for Medicare is from each year.
    • Medicare Supplement plans can be renewed May 1 – 31 for a June 1 start date.

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    State Health Plan Of North Carolina


    Two Preferred Provider Organization plans are available to UNC faculty and staff . The State Health Plan of North Carolina administers these plans and they are underwritten by Blue Cross Blue Shield of North Carolina which offers coverage for in-network and/or out-of-network providers. The University contributes toward the monthly cost of coverage for regular full-time employees.

    70/30 PPO Plan is a traditional preferred provider organization plan that offers freedom of choice among in-network providers, lower out-of-pocket costs and a strong emphasis on preventive health. Affordable Care Act preventive services and medications require the applicable co-pay.

    80/20 PPO Plan is a traditional preferred provider organization plan that offers freedom of choice among in-network providers, lower out-of-pocket costs and a strong emphasis on preventive health. Features include Affordable Care Act preventive services covered at 100% if performed by an in-network provider and wellness premium credits that reduce your monthly cost.

    How Much Does it Cost?

    The amount you pay depends on your selected plan level, who you cover and your completed wellness credits. If you are paid one time per month, the full monthly rate is deducted from your paycheck. If you are paid every two weeks, one half of the monthly rate is deducted from the first two paychecks in the month.View current Health Insurance rates.

    When does Coverage Begin/End?

    How to Enroll or Make Changes


    Getting Help With Obamacare Enrollment

    If you need help signing up for Obamacare health insurance plans in North Carolina, WNC Health Insurance is here to help. Our personal healthcare reform advisors will guide you through the process of creating an account at, applying for subsidies, and selecting a health plan that is right for you and your family. We offer these services all at no cost to you!

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    Which Insurance Licenses Do You Need

    The first step to getting your insurance license is choosing which licenses you need. The most common licenses new insurance agents get are the property & casualty license , life and health insurance license .

    The types of insurance products and policies youll be selling will determine which licenses you need. Here are some examples of the types of policies you can market with each license:

    Most insurance agents and producers choose to get both P& C and L& H licenses, but if you plan on specializing in only one category then you dont need every license.

    Insurance adjusters require a separate license. You can find more information on becoming an insurance adjuster here: North Carolina Insurance Adjuster License


    Why Do North Carolina Students Need Health Insurance

    4 Reasons to Get Health insurance

    Many North Carolina schools require students to maintain health insurance during the academic year.1 But even if your college or university doesnt, having adequate coverage can help you avoid having to pay high medical bills if you need to be treated for an illness or injury while youre at school.

    Without health insurance, youre responsible for paying 100% of your medical bills whether you see a physician, need a prescription medication, or have to receive emergency care. If youre covered, youll pay just a fraction of the total cost of your medical bills, which could save you a lot of money.

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    Hospital & Doctor Insurance

    Health ProtectorGuard fixed indemnity insurance,3 underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure.

    • No deductibles or copays to pay first
    • Benefits paid regardless of other insurance
    • Money to pay costs not covered by major medical plans, like a deductible

    Nc Realtors Talk Health Insurance

    For as long as any of us can remember, the cost of health insurance has been a significant part of the annual expenses for many who are self-employed or independent contractors. With the advent of the Affordable Care Act, many saw insurance costs decrease thanks to subsidies and grandfathered plans. But that wasnt the case for everyone and even those with subsidized plans didnt keep them forever. Premiums and deductibles continued to rise, forcing even the healthiest persons to pay high costs for their insurance or choose to drop it all together due to other expenses.

    NC REALTORS® believes that our members, along with all those who arent covered under employer-sponsored health insurance shouldnt have the make the choice between health insurance and other expenses. We know that thousands of members across our state choose to go without coverage because of these high costs, placing them one accident or illness away from financial peril.


    On June 21, 2018, the U.S. Department of Labor issued a new rule opening the door for small employers and self-employed individuals, including real estate professionals, to participate in Association Health Plans . AHPs are large group plans that tend to offer better coverage options at lower cost than the individual and small group insurance markets.

    NAR Resources

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    Affordable Health Insurance Coverage

    There are federal subsidies available for medium-to-low income North Carolinians to help pay for the cost of insurance premiums for plans purchased through the Federal Health Insurance Marketplace during the Annual Open Enrollment Period, or a Special Enrollment Period. All plans that are offered in the Health Insurance Marketplace are required to meet minimal coverage requirements that have been deemed essential benefits by the new health care law. As of 2014, insurance providers may no longer raise premiums or deny coverage due to a pre-existing condition. You will see four types of plans on the Health Insurance Marketplace:

    • Catastrophic Health Plans
    • Available to individuals under 30 and with special circumstances.
  • Bronze Health Plans
  • Lowest premium with highest out-of-pocket expenses.
  • Silver Health Plans
  • How Do You Get Covered Under Your School Plan In North Carolina

    How to Get Health Care Cost Estimates from BCBSNC

    All eligible students who attend one of the states 17 University of North Carolina System colleges or universities15 must have health insurance.16 You can enroll in the UNC System Student Health Insurance Plan, which is administered by Blue Cross Blue Shield of North Carolina , or purchase health insurance from a different provider.1718

    If you dont enroll in the Student Blue plan, you must submit a waiver request for each semester you attend school.19 If you waive student health coverage, you must provide proof that your plan meets the schools minimum requirements, and your policy must be effective by September 1 for the fall semester and February 1 for the spring semester.20

    Private universities in the state, such as Duke and Wake Forest, also have a student health insurance requirement.2122 Like UNCs public university system, both schools offer Student Blue insurance through BCBSNC. Students may also submit a waiver if they choose to purchase a different plan.2324

    While youll need to make sure the coverage you have meets the requirements of the school youre attending, you dont have to worry about paying a penalty if your plan isnt considered qualifying coverage under the ACA . In 2017, Congress passed a tax bill that took effect in 2019 and eliminated the penalty that was originally part of the ACA.25

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    When Can I Buy An Individual And Family Plan

    Everyone under the age of 65 has the opportunity to purchase health insurance during the Open Enrollment Period.

    Open Enrollment is from every year.

    You can purchase a plan outside of Open Enrollment if you have a qualifying life event. There are many things that can be considered a qualifying life event, like:

    • Loss of health coverage
    • Turning 65 and needing to purchase a Medicare plan
    • Changes to your household
    • Changes to your physical location
    • Becoming a US Citizen
    • Changes to your income that may affect a subsidy you qualify for

    After Getting Your North Carolina Insurance License

    Once youve passed your exams and completed the licensing application, you are now a licensed insurance agent in North Carolina. A common question we hear is, I have my insurance license, now what? Here are a few things you can do or need to know:

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    North Carolina Health Insurance Overview

    North Carolina has one of the highest enrollments for private health insurance under the Affordable Care Act , also called Obamacare. Most of the states ACA enrollees qualify for financial assistance. Many uninsured, childless adults choose Obamacare because North Carolina has not expanded Medicaid to this demographic.

    2022 Obamacare open enrollment for North Carolina health insurance begins on November 1. If you miss it, you can still enroll in a plan if you experience a qualifying life event, such as getting married or having a child. If you qualify for Medicaid based on income, you can enroll at any time.

    North Carolina Insurance Pre

    Get Health Insurance or a Medicare Supplement, Miller ...

    After youve determined which licenses you need, you must now take your North Carolina insurance pre-license education courses.

    Most folks choose to take their insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. The types of licenses you choose will determine which courses you take.

    Each line of authority in North Carolina requires twenty hours of pre-license education. This means that if you wish to get a Property and Casualty license, you must take forty hours of pre-licensing, and for Life, Accident, and Health you must also take forty hours.

    You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.

    In North Carolina, you have ninety days to pass the insurance license exam after completing your pre-license education. If its more than ninety days, you will need to retake the pre-license course.

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    North Carolina Medicare Enrollment

    North Carolina has nearly 2 million Medicare enrollees.7 More than four out of five qualify based on turning 65. The remaining beneficiaries are younger but have disabilities.8

    Most North Carolinians have Original Medicare, which is run by the federal government. This is the traditional program for Part A hospital and Part B medical insurance. You can also choose to get these benefits through a private Medicare Advantage plan.

    Other private insurance options include Medicare Part D prescription drug coverage, which is often paired with Original Medicare. Approximately 800,000 North Carolinians have an individual Part D plan as of 2018.9 Original Medicare enrollees can also add Medicare Supplement, also known as Medigap. Medigap helps pay for some or all of your covered out-of-pocket expenses.

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    Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of race, color, national origin, sex, age or disability in its health programs and activities. Learn more about our non-discrimination policy and no-cost services available to you.

    Attention: This website is operated by Blue Cross and Blue Shield of North Carolina and is not the Health Insurance Marketplace® website at This website does not display all Qualified Health Plans available through To see all available Qualified Health Plan options, go to the Health Insurance Marketplace® website at Also, you should visit the Health Insurance Marketplace® website at if you want to enroll members of your household in dental coverage.

    1 Weâre sending you to HealthSherpa to purchase your Blue Cross and Blue Shield of North Carolina health plan. HealthSherpa is a CMS-certified vendor that Blue Cross has selected to make the enrollment process easier for you. Note that you will be leaving and Blue Cross NCâs website. Health Sherpa is responsible for the site you will be directed to, including the privacy policies that govern the site

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    Enrollment Is Now Open Through August 15 2021

    Starting , consumers enrolling in Marketplace coverage will be able to take advantage of lower premiums and access to financial assistance during the American Rescue Plan Act of 2021 announced by the Biden administration. If you’re looking for health insurance marketplace plans, UnitedHealthcare Exchange plans offer affordable, reliable coverage options from UnitedHealthcare of Wisconsin, Inc, in North Carolina.

    Call / TTY 711 to talk to a representative.

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