Finding insurance in the Tar Heel state can be difficult if you don’t know where to look. Luckily, the state has plenty of resources for you to use in your search. It’s very important that residents have health insurance. As the 33rd healthiest state, North Carolina has health issues that must be addressed and without health insurance, medical expenses can be costly. But, many people avoid health insurance as a way to save money. This is a bad idea because you never when an accident can happen. Maybe you’re riding a wave on the coast or hiking in the mountains in western North Carolina. If you get hurt and have no health insurance, the cost for an emergency room visit and prescription pain medicine will come out of your own pocket.
North Carolina Health Insurance Quotes and Facts
There are multiple ways to get insured in North Carolina. The first place you should look is your employer. Many large businesses and some small ones offer health insurance. This could be the most affordable way to get the insurance you need. If your employer doesn’t offer insurance, don’t despair. Contact a professional insurance agent who can help you understand what your options are and which ones work best for you. There is a way to obtain affordable North Carolina health insurance and it starts here.
North Carolina Medical Insurance Statistics
Consider the following statistics about health care coverage in North Carolina:
- Total North Carolina Residents – 9,377,000
- North Carolina uninsured residents – 17%
- Total North Carolina HMO enrollment – 336,213
- Average annual employee premium in North Carolina employer-sponsored plan (after employer contribution): $1,150
- Averge North Carolina hospital cost per inpatient day (before insurance) – $1,633
Source data according to the Kaiser Family Foundation:
- Health Insurance Coverage of the Total Population, states (2010-1011), U.S. (2011)
- Total HMO Enrollment, July 2011
- Average Single Premium per Enrolled Employee For Employer-Based Health Insurance, 2011
- Hospital Adjusted Expenses per Inpatient Day, 2010
North Carolina state government health insurance resources
- North Carolina Department of Health and Human Services: This website acts as a resource for many different residents of the state. You can find information ranging from disability questions to Medicaid issues.
- North Carolina Health Choice for Children: This is health insurance program for low income children that is operated by the state. This is idea for people who make too much money to qualify for Medicaid, but can’t afford family insurance.
- North Carolina Health Departments: This is a list of health departments listed by county. Addresses, websites, and phone numbers are provided along with Director information, including phone number, picture, and email.
The Cost of a North Carolina Health Insurance Quote
There are many advantages to living in North Carolina. Surrounded by beautiful mountains on one side and the ocean on the other, many people are moving to southern state meaning to call it home. A surprising benefit many find is that insurance rates are very affordable. Of course, insurance rates always depend on a host of other factors. One is your coverage type. If you have a family health plan, it will cost much more than a high deductible insurance plan that is combined with a health savings account.
Setting a high deductible is one way to save on North Carolina health insurance, but you must make sure that you can afford to pay the deductible in a time of emergency. If you know you’re bad at saving money but always pay your bills on time, maybe it’s worth the extra monthly premium to have a low deductible. Finding the right insurance relies on knowing your insurance needs and recognizing your personal habits.
Overall, the state tends to spend less than the national average on healthcare, which means you get lower insurance costs, although medical expenses still rise. With the impending Affordable Care Act changes coming to the state, you are going to have another option of securing health insurance through a state exchange. 73% of North Carolina business is considered small but only 38% currently offer health insurance. That may change now that small businesses can receive a tax credit to help offset the costs of providing health insurance for employees. But, if you’re self-employed, you should still consider going through the state exchange. You can compare health insurance plans to find the right one for you.
It can be stressful trying to find which health insurance plan works for you if you don’t have group coverage. Don’t stress too much though, because that will lead to an unnecessary medical expense! Instead, consult with professional insurance agents, who can analyze your needs and help you identify a policy that works.