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North Carolina health insurance

A guide to affordable health insurance in the Tar Heel State

north-carolina guide to health insurance

North Carolina is the 34th healthiest state according to the United Health Foundation's 2012 comparison of health status across the 50 states.

The good news:

  • The percentage of children in poverty is 23.9 percent, down from 27.6 percent in 2011.
  • Air quality has improved over the past five years.
The bad news:
  • More than one in 10 adults has diabetes.
  • The percentage of the population without health insurance has increased to 16.7 percent.
North Carolina's best and worst category rankings:
  • Binge Drinking – 7th
  • Infectious Disease – 18th
  • Poor Mental Health Days – 19th
  • Poor Physical Health Days – 19th
  • Public Health Funding – 42nd
  • Low Birth Weight – 44th
  • Infant Mortality – 46th

For more details see the United Health Foundation’s latest findings on North Carolina.

Trust for America’s Health is another source for key North Carolina health quality findings.

In addition, 2010’s federal health reform, the Affordable Care Act (ACA), included the creation of a prevention fund to provide more than $16 billion over the next 10 years to invest in effective, proven prevention efforts, like childhood obesity prevention and tobacco cessation, and the site has a report on how it impacts North Carolina here.

Get local health results

State snapshot too large? Get county-by-county health rankings for North Carolina, from the Robert Wood Johnson Foundation and the Population Health Institute at the University of Wisconsin.

Does North Carolina have
a health insurance high risk pool?

North Carolina Health Insurance Risk Pool (NCHIRP)
Toll-free 1-866-665-2117

IMPORTANT UPDATE: In 2010, North Carolina started offering health care insurance coverage to residents through the federally established temporary high-risk pool program. Learn about eligibility here.

Rapidly becoming obsolete as state health insurance exchanges prepare to open, risk pools were state-sponsored programs that helped people who could afford to buy health insurance, but were not able to get underwritten in the private market because of a pre-existing health condition.

Programs varied significantly from state to state in price, benefits and number of people served. Often insurance companies doing business in the state were required to contribute to the pool to keep it in the black.

In the best cases, they allowed people to be able to switch jobs or become self-employed without the fear of losing their health insurance coverage. Read more about risk pools here.

More North Carolina resources

North Carolina state health insurance exchange

North Carolina’s exchange

Find out what your state’s health insurance exchange will look like.


$18.7 million to 216,649 families

Insurance companies were forced to return an average of $158 per North Carolina family in 2012.


Find out how your member of the North Carolina Congressional delegation voted on health care.

NC state government resources

North Carolina Health Choice (NCHC) for Children

For families who make too much money to qualify for Medicaid but too little to afford rising health insurance premiums so they are able to get free or reduced price comprehensive health care for their…

North Carolina Medicaid

Serves about 20 percent of the state’s population, whose low income prevents them from purchasing health insurance in the private…


Consumer services from the North Carolina Department of…

NC advocacy resources

Health Care for all North Carolina

Working toward a publicly-financed, sustainable quality Health Care system that is open to all people in…

Health care reform information for North Carolinians

A service of Health Sciences Library at the University of North Carolina at Chapel…

Other NC health insurance links

Healthy Carolinians

A statewide network of local partnerships that address health and safety issues at the community…

North Carolina Health News

An independent, not-for-profit, statewide news organization dedicated to covering health care in North…

North Carolina Hospital Association

The trade group for health care providers in North…

North Carolina health insurance companies

Celtic Ins. Co.
Golden Rule
WellPath Select, Inc.

Health insurance for NC individuals

Resources for those individuals seeking health care insurance in North Carolina. If you are looking for North Carolina Medicare, visit our site for health insurance over 65.