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 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 insurance products we have available in your state.
Consider short term health insurance
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.
Help pay expenses with hospital & doctor coverage
Health ProtectorGuard fixed indemnity insurance,2 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.
Prepare for the unexpected
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 even guaranteed issue, meaning your application won’t be turned down for preexisting conditions.
See accident and critical illness insurance options.
Add dental and vision insurance
Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.5 They offer coverage for the dental and vision services many medical insurance plans don’t include.
In their Vision Plan Satisfaction Reports from 2013-2017, J.D. Power, a global marketing information company that represents the voice of the customer, ranked UnitedHealthcare “Highest in Customer Satisfaction with Vision Plans, 4 out of 5 years."6
Learn more about ACA insurance options in North Carolina. Call 1-844-711-0164.
1Short term health insurance is medically underwritten and does not cover preexisting conditions. It does not meet minimum essential coverage requirements, meaning signing up for this coverage may result in a tax penalty.
2THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.
3“Hospital Adjusted Expenses per Inpatient Day – 2015.” State Health Facts. Kaiser Family Foundation. Retrieved from https://www.kff.org/health-costs/state-indicator/expenses-per-inpatient-day
42017 GOBankingRates survey Elkins, Kathleen. “Here’s how much money Americans have in their savings accounts.” CNBC Money. Sept 13, 2017. Retrieved from https://www.cnbc.com/2017/09/13/how-much-americans-at-have-in-their-savings-accounts.html
5Primary insured must be 18 years of age or older.
6UnitedHealthcare received the highest numerical score in the proprietary J.D. Power 2013-2015, 2017 Vision Plan Satisfaction ReportsSM. Report measures opinions of consumers with vision plans, includes four plans, and is based on responses from 1,312 consumers. Proprietary study results are based on experiences and perceptions of consumers surveyed October 2017. Your experiences may vary. Visit www.jdpower.com
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).