Many people throughout NC are able to get their health insurance through their employer. This makes it easier as there is no need to shop around or to try to find the best possible price. Other people, including those who are self-employed or otherwise do not qualify for employer plans, need to find their own healthcare insurance policies.
It is essential for people in NC to have healthcare coverage. Most families throughout the state are unable to privately pay for even routine medical expenses without insurance. A serious accident, injury, or medical condition could have the potential to bankrupt the family.
There is affordable health insurance available outside of the ACA. These private insurance companies offer a variety of policy and coverage types, allowing people in the state to choose the right match for their budget and their anticipated health care needs.
Deductibles, Copays, Coinsurance, and Premiums
One way to reduce the cost of health insurance is to choose a higher deductible. This increases the amount you pay before the insurance begins to pay. The same is true for copays and coinsurance.
For those in good health and without current health conditions managed by a doctor, increasing these three factors can help in reducing affordable health insurance premiums.
Short Term Medical Insurance
One option for Affordable Health Insurance In NC is short-term medical or STM insurance. This is designed for a maximum of 12 months of coverage and provides limited coverage, but this meets the needs of many people throughout the state.
Talking with an independent health insurance agent is a good way to find the most affordable plan to meet your medical needs and budget.