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North Carolina Health Insurance


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How healthy is living in North Carolina?

North Carolina held on to the #36 spot in the 2008 ranking of the healthiest states by the United Health Foundation.

The state's best and worst category rankings:

  • Prevalence of binge drinking – 8th
  • Occupational fatalities – 20th
  • Number of primary care physicians – 25th
  • Prevalence of obesity – 40th
  • Prevalence of smoking – 42nd
  • Children (under 18) in poverty – 42nd
  • Infant mortality – 44th

See the United Health Foundation's latest findings on North Carolina.


Does North Carolina have a risk pool for the uninsurable?

Thumbs up on offering a risk pool.; North Carolina Health Insurance Risk Pool (NCHIRP)
Toll-free 1-866-665-2117

Risk pools are state-sponsored programs to help people with a history of medical problems in their family to purchase coverage. These pools are for people who can afford to buy health insurance, but are not able to get underwritten in the private market because of a pre-existing health condition. These programs can vary significantly from state-to-state in price, benefits and number of people served. Often insurance companies doing business in the state are required to contribute to the poolto keep it in the black. In the best cases they allow people to be able to switch jobs or become self-employed without the fear of losing their health insurance coverage. Find more on risk pools here.

Mini-meds a guaranteed-issue option for those who are medically uninsurable

An option for the medically uninsurable is a guaranteed-issue mini-med health insurance plan. There is no underwriting and no health questions are asked.

These plans provide basic coverage but are not designed to help with catastrophic expenses. They can often count as creditable coverage, eliminating the waiting period for pre-existing conditions if you later move to an employer-based plan. Read more here.


Cover The Uninsured's guide on finding health insurance in North Carolina

Cover The Uninsured is a national effort to highlight the fact that too many Americans are living without health insurance and to demand solutions from our nation's leaders. Read more information on its efforts. It is a project of the Robert Wood Johnson Foundation.


USNews health insurance rankings for North Carolina

USNews logo US News does an annual ranking of what it considers the best health insurance plans in each state. Visit its reports on various health insurance or medical insurance plans being offered in North Carolina.


Official State Goverment Sites with North Carolina Health Insurance Information

North Carolina State Seal.;

North Carolina Medicaid -- serves about 20 percent of the state's population, whose low income prevents them from purchasing health insurance in the private market.

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 children.

Non-profit site(s) of interest to North Carolinans

The North Carolina Institute of Medicine (NC IOM) -- is an independent, non-profit organization that serves as a non-political source of health policy analysis and advice in North Carolina.

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North-Carolina Health Care News

North Carolina’s Blue Cross Blue Shield Trying to Kill Key Plank of Obama Plan

Daily Dose (Washington Post) – One week after the nation’s health insurance lobby pledged to President Obama to do what it can to constrain rising health costs, Blue Cross Blue Shield of North Carolina is putting the finishing touches on a public message campaign aimed at killing a key plank in Obama’s reform platform. In [...]

Health help: Safety net providers assist the uninsured and jobless

Citizen-Times.com – North Carolina leads the nation in its increase in the past two years in the percentage of its population that’s uninsured. The number of uninsured residents has increased by about 322,000 since 2007.

Read more North-Carolina news

Support The President's Health Care Reform

Obama's health insurance reform plans

Contact your federal officials. President Obama needs your help to push Congress to make health insurance available, affordable and universal! Read more!
Senator Richard Burr
PHONE: 202-224-3154 (DC office)
FAX: 202-228-2981 (DC office)
Local offices
Contact by E-mail
Senator Kay Hagan
PHONE: 202-224.6342 (DC office)
FAX: 202-224-1100 (DC office)
Contact by E-mail

House Members
(follow link, then look for "Contact") u.s. house seal Need Help?
ZIP search

For state-level reform, contact:

North-Carolina Governor Bev Perdue
20301 Mail Service Center
Raleigh, NC 27699-0301
PHONE1-800-662-7952-NC only,(919)733-4240 or (919)733-5811.
FAX: (919)715-3175 or (919)733-2120
Contact by e-mail


Contact your North-Carolina State Senator and State Representative

Health Insurance 101: learning center

Understanding COBRA, while COBRA's safety net may seem an obvious choice at first glance, it may not be the right option for everyone

Short-term health plans, also called Short-term Medical (STM) fill tall order for "in-betweens"

Turned down for medical insurance?: "Mini Meds" are guaranteed-issue coverage to cover everyday medical expenses

Self-employed health insurance -- navigating the tricky waters of individual health care policies

Featured post from our blog

Congressman declares public option "too good"

Rep. John Kline (R-Minn.), newly appointed as ranking minority member of the House Education and Labor Committee, is giving Rep. Michelle Bachmann a run-for-her-money as the looniest representative from the land of 10,000 lakes. Read more...           (More blog posts)

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