The number of uninsured in North Carolina increased by 22.5 percent from 2007 to 2009. This was the largest percentage increase in the country. This translates into an increase in the number of North Carolina uninsured of 322,000. The increase in the number uninsured is the 4th largest in the country, trailing only California, North Carolina, and Florida. Many people forego health insurance in North Carolina due to the cost or because they have not considered the financial risk of going uncovered. Others go uninsured because they have existing health conditions that can make finding coverage difficult and more costly. Whatever your individual situation, there’s a good chance you can find North Carolina health insurance providers that will meet your needs at a price you can afford. Here is some additional information on health coverage in North Carolina.
North Carolina Individual Health Insurance
If you’re seeking coverage only for yourself, your best option will likely be to try and join group health plan, such as one often offered through an employee benefits package, or through membership in an organization such as a church, trade union, or professional association. If you’re unable to find group coverage, you may be able to purchase an individual policy directly from a carrier . Individual coverage is generally more expensive and harder to qualify for than group coverage, however.
North Carolina Group Health Insurance
North Carolina group health insurance is sold to businesses and organizations in the state for them to provide coverage to their employees and members. These group and business health insurance plans are inexpensive compared to individual or family coverage. This is because the cost of medical services can be spread among a larger group of people. For many businesses, providing a comprehensive employee health plan can be essential for attracting and keeping quality staff. However, offering a health plan can also be a significant business expense.
North Carolina Family Health Insurance
Keeping your family healthy is essential to enjoying the best quality of life. North Carolina family health insurance is one of the best ways to protect their health. Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance in North Carolina usually costs less than having a separate health insurance policy for each person. Also, a family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.
North Carolina Short Term Health Insurance
Short term coverage is offered in North Carolina so you’ll never have to go without insurance. This health coverage that is purchased for only a short period of time. Most companies who offer this type will allow you to choose from coverage lengths ranging from 30 days to 12 months. Short term medical insurance coverage can protect you in the event of an unexpected illness or injury. Unlike many health insurance plans out there, short term health insurance allows you to choose your doctors and hospitals and pays for all covered expenses once your deductible and coinsurance amounts have been met.
North Carolina Student Health Insurance
Many college students risk going without health coverage because they believe they’re young, in good health, and relatively safe from illness. But having access to health care when you need it is important at any age, and some colleges may require you to have health coverage as a condition of enrollment. Most health plans will allow dependent children to continue coverage until they reach age 25, and sometimes longer. Dependent coverage is typically more affordable than participating in a plan as a primary member.
