North Carolina health insurance options
You have more insurance options for your health than you think, North Carolina
If you’re self-employed or without insurance from your employer – in other words, you’re looking for individual or family health insurance in North Carolina – you might be looking for Affordable Care Act insurance, what's often called Obamacare. individual and family insurance products we have available in your state.
UnitedHealthcare Individual & Family ACA Marketplace plans in North Carolina
Looking for health care plans on the Affordable Care Act (ACA) Marketplace? UnitedHealthcare Individual & Family ACA Marketplace plans offer affordable, reliable coverage options from UnitedHealthcare of North Carolina, Inc.
As part of the American Rescue Plan Act of 2021 and Inflation Reduction Act of 2022, many individuals and families are now eligible for lower — or in some cases $01,2,3 — monthly premiums for ACA Marketplace health coverage.
Call 1-800-273-8095 / TTY 711 to talk to a licensed insurance agent.
Short term health insurance in North Carolina
A temporary medical insurance plan like short term health insurance4 underwritten by Golden Rule Insurance Company may provide:
- Budget-friendly monthly payments
- Health care coverage while you search for a long term option
Health insurance coverage for multiple years
TriTerm Medical Insurance,5 underwritten by Golden Rule Insurance Company, is short term health insurance that offers coverage for preventive care, doctor office visits, and prescriptions.
- Apply once for insurance coverage terms that equal one day less than 3 years.
- $2 million lifetime maximum benefit per covered person on most plans.
- Eligible expenses for preexisting conditions are covered after 12 months on the plan.
Questions about Short Term or TriTerm Medical insurance? Call 1-844-711-0164 / TTY 711 to talk to a representative.
Hospital & doctor insurance
Health ProtectorGuard fixed indemnity insurance,6 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
Accident & critical illness insurance
Accidental injuries and critical illness happen when you least expect them. Those unexpected expenses can strain any budget. Accident insurance6 and critical illness insurance6 can help by paying cash benefits for covered injuries or illnesses.
The Accident Pro series of products, underwritten by Golden Rule Insurance Company, combines accident insurance with critical illness, hospitalization, and accidental death and dismemberment coverage all in one. Some plans are guaranteed issue, meaning your application won’t be turned down for preexisting conditions.
North Carolina dental and vision plans
Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.7 They offer coverage for the dental and vision services many medical insurance plans don’t include.
From Charlotte to Raleigh, Asheville to Wilmington, explore these North Carolina health insurance options and more that may be available now.
Need help finding a plan?
Answer a few questions to see which insurance options may be available for you.
UnitedHealthcare Medicare Advantage plans in North Carolina
These plans offer all the benefits of Medicare Parts A and B as well as coverage for extra benefits like prescription drugs, dental, and vision.
Health insurance for individuals who are 65 or older, or those under 65 who may qualify because of a disability or another special situation.
Call 1-844-232-1426 to learn more.
We offer low cost or no cost health insurance plans for those with limited incomes.