Health Insurance Options in North Carolina

2018 Obamacare Open Enrollment Period from November 1, 2017 to December 15, 2017. You can purchase health insurance for the upcoming year through the marketplace (HealthCare.gov)

Or

You can purchase health insurance through HealthQuoteInfo. Call 855-614-5057 to shop around and save!

The Affordable Care Act

Residents of North Carolina have a lot of options in regards to purchasing a health insurance plan. For those who do not have an employer-based insurance plan, the best option is the Affordable Care Act. To purchase a plan for 2018, you need to shop for a plan during the Open Enrollment Period, which starts on November 1, 2017 and ends on December 15, 2017. This provides citizens with exactly 45 days to shop around and buy a plan at HealthCare.gov, which is the federally facilitated marketplace.

Business Owners

If you’re a business owner with less than 50 full-time employees, it’s important to ensure your staff has access to a medical insurance plan. This is why there’s a program called SHOP that operates in the region, which helps business owners shop around for a plan for their organization. Under most circumstances, an employee will have their monthly deductible subtracted directly from their pay, meaning your staff won’t be paying out of pocket for medical insurance.

Tax Savings

Many North Carolina residents are unaware that certain Obamacare plans provide tax credits, which can partially subsidize your monthly premium. This tax credit is one of the reasons why the Affordable Care Act continues to endure despite threats from the Republicans and President Donald Trump.

Medicaid

A certain percentage of North Carolina residents cannot afford to purchase health insurance, meaning they rely on a program called Medicaid. This is a federally funded program that is administered by the state of North Carolina and serves as an important lifeline to many individuals.

It encompasses basic health, dental, and drug coverage but requires certain qualifications in order to enroll in the program. Essentially, you have you have to live below the poverty level or have a disability. These disabilities include being blind, deaf, mute or physically immobile. According to recent data, hundreds of thousands of people rely on Medicaid, demonstrating how the program is extremely important and needs to remain in place to ensure certain segments of the population can access basic health care.

CHIP

This program is similar to Medicaid but it applies only to children. Therefore, if you’re under the age of 19 and your parents cannot afford to purchase a plan, you can qualify to receive medical coverage through CHIP. This program can cover medical check ups, visits to the eye doctor, and trips to the dentist.

We understand the health insurance industry is very complex and confusing at times. So, if you have any questions regarding this subject, we highly encourage you to phone one of our specialists here at HealthQuoteInfo. Our agents can help you sort through all this information and inform you about the different options available on the market. Call today at 855-614-5057.