FreedomBenefits.net affordable health insurance

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The health insurance exchange makes it easy to find affordable high quality coverage available in your home state.

Professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail or live online chat.

North Carolina Affordable Health Insurance Exchange

North Carolina has 23 commercial health insurance companies that offer individual major medical insurance and 27 small group health insurance plans as well as the state-sponsored “Inclusive Health”, the North Carolina Health Insurance Risk Pool health plan for residents who have been declined for commercial health insurance. These standard health insurance plans may not be affordable to all residents. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.

North Carolina insurance & benefit news

North Carolina had the 4th highest health insurance costs of all states in 2008 with an average family premium of $13,504 per year. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 41st out of the 51 states (including DC).

North Carolina offers a state tax credit to help individuals afford the cost of the state's high risk health pool insurance.

Short Term Insurance

Celtic Insurance

Secure STM

Simple STM

Intermediate Term

Inbound Immigrant

Supplemental Insurance

Smart Accident Insurance

Value Access Guarantee

North Carolina Insurance Law

The North Carolina Department of Insurance Web site contains links to the complete text of the state's insurance laws and regulations. The Web site has not yet developed resources to help individuals find commercial low cost health plans like mini-med or core coverage, specific illness policies, supplemental insurance and basic health insurance.

The state insurance department can be reached by telephone at (800) 546-5664 or by mail at 430 N. Salisbury St., Raleigh NC 27603. The state children's health insurance plan (CHIP) Web site is North Carolina Health Choice for Children (NCHC).

Non-insurance Discount Plans

Benicard

Careington PPO Discount Plans

Drug Card America

Essential Dental Solutions

Rx Pay Card

See International Coverage and Travel Insurance Listings

Consumer Insurance Issues

5/14/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in North Carolina is now available at Freedom Benefits.

Contact the Author:

The content on this Web page was last updated by consumer finance writer Tony Novak on 5/12/2010. Comments, feedback, questions and corrections are welcome to help keep content relevant and up-to-date. Contact the author directly by e-mail, on Facebook, Twitter or the contact information included on his Web site.