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. However, we want to make you aware of the whole range of individual and family insurance products we have available in your state.
Short term health insurance in North Carolina
A temporary medical insurance plan like short term health insurance1 underwritten by Golden Rule Insurance Company may provide:
- Budget-friendly monthly payments
- Health care coverage while you search for a long term option
See North Carolina short term health insurance options.
Health insurance coverage for multiple years
TriTerm Medical Insurance,2 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.
- $1 million or $2 million lifetime maximum benefit per covered person.
- Eligible expenses for preexisting conditions are covered after 12 months on the plan.
See 3-year medical insurance options.
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 many common, 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
See North Carolina hospital & doctor plan options.
Accident & Critical Illness Insurance
Accidental injuries and critical illness happen when you least expect them. Those unexpected expenses can strain any budget. Accident insurance and critical illness insurance 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.
See accident and critical illness insurance options.
North Carolina Dental and Vision Plans
Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.6 They offer coverage for the dental and vision services many medical insurance plans don’t include.
In their Vision Plan Satisfaction Reports from 2013-2018, J.D. Power, a global marketing information company that represents the voice of the customer, ranked UnitedHealthcare "Highest in Customer Satisfaction with Vision Plans, 5 out of 6 years."7
Affordable Care Act (ACA)
You can purchase individual health insurance through the Health Insurance Marketplace. These are plans that meet government requirements per the Affordable Care Act.
Learn more about ACA insurance options in North Carolina. Call 1-844-711-0164.
Product design and availability varies by state. Some benefits have waiting periods.
1Short term health insurance is medically underwritten and does not cover preexisting conditions. It is not minimum essential coverage as defined by the Affordable Care Act (ACA).
2TriTerm Medical Insurance is a medically-underwritten, short term limited-duration product. It is not minimum essential coverage as defined by the Affordable Care Act (ACA).
3THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage defined by the Affordable Care Act (ACA).
4“Hospital Adjusted Expenses per Inpatient Day – 2016.” State Health Facts. Kaiser Family Foundation. Retrieved from https://www.kff.org/health-costs/state-indicator/expenses-per-inpatient-day
5Huddleston, Cameron. “More Than Half of Americans Have Less Than $1,000 in Savings in 2017.” GOBankingRates.com. Sept 12, 2017. Retrieved from https://www.gobankingrates.com/saving-money/savings-advice/half-americans-less-savings-2017/
6Primary insured must be 18 years of age or older.
7UnitedHealthcare received the highest numerical score in the proprietary J.D. Power 2013-2015, 2017-2018 (tied in 2018) Vision Plan Satisfaction Reports. Report measures opinions of consumers with vision plans. Visit www.jdpower.com/awards
No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.
References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.
Each company is a separate entity and is not responsible for another's financial or contractual obligations.
Administrative services are provided by United HealthCare Services, Inc. or their affiliates.
Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.
This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).