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North Carolina health insurance exchange

north-carolina guide to health insurance

North Carolina enrollment fifth highest in the country, despite a hands-off approach by politicians

March 30, 2014

Open enrollment in North Carolina ends on March 31.  But HHS is allowing an extension for applicants who begin the process by that date, but are unable to complete their enrollment by the end of the day on March 31.  The extension is expected to be valid until mid-April, and applicants will have to attest to the fact that they tried to enroll by March 31 but were unable to finish because of technical problems or other extenuating circumstances.

By March 1, North Carolina’s exchange had the third highest enrollment among the 36 states where HHS is running the exchange, and was fifth highest for the whole country.  200,546 people had finalized their private plan selections, and another 55,691 were eligible for existing Medicaid, even with its strict eligibility guidelines (NC is not expanding Medicaid under the ACA).  In terms of the rate that the uninsured population is enrolling in new plans, North Carolina is by far the leader among states that have generally resisted implementing the ACA.

So why is North Carolina doing so much better than other states where lawmakers have not embraced the ACA?  Although many of North Carolina’s political leaders have been less than enthusiastic about the ACA, the state already had an excellent Medicaid managed care program – Community Care of North Carolina.  This public-private collaboration of health care providers, social services workers and other community leaders took an all-hands-on-deck approach, and has been steadily working for the last six months to enroll as many of their patients and residents as possible.

North Carolina’s legal aid program has also been very instrumental in getting people enrolled, and has established a phone number (855-733-3711) where residents can call to get help with their insurance questions.  These grass-roots programs have demonstrated that even in the absence of political leadership, states can have successful enrollment if they have a solid framework of community and health care leaders who are focused on getting people covered.

North Carolina has accepted President Obama’s proposal that individual policies slated for termination at the end of the year be renewed into 2014, and by the end of November Blue Cross and Blue Shield of North Carolina had opted to do so.  Residents with individual BCBS plans that were effective before October 1 were allowed to renew those plans into 2014, but with rate increases that average at least 16 percent.  Policies effective October 1 or later terminated at the end of 2013 and needed to be replaced during open enrollment, which runs until March 31.

North Carolina’s path towards ACA implementation was a complicated one that covered all bases.  The state took official actions toward each one of the options for a health insurance marketplace: state-run, partnership, and federally operated. In June 2011, North Carolina passed a law stating an “intention” to develop a state-run health insurance exchange. The House at one point authorized a state-run exchange, but the Senate did not. Outgoing Gov. Bev Perdue announced in November 2012 that the state would partner with the federal government to run the marketplace. Finally, new Gov. Pat McCrory announced in February 2013 that North Carolina would default to the federal marketplace.

While the federal government is running the marketplace in North Carolina via, the state department of insurance reviewed the rates proposed by insurers who want to sell policies in North Carolina through the federal exchange.  Much to the dismay of state Insurance Commissioner Wayne Goodwin, this is the only involvement that the state has with the exchange.  North Carolina also rejected federal funds to expand Medicaid.  Support for the ACA in North Carolina is relatively low, no doubt a result of the clear opposition to the law voiced by the state’s leaders.

North Carolina is not doing any marketing or outreach to explain the insurance marketplace to state residents. Instead, the federal government and insurers themselves have taken on that responsibility. Blue Cross and Blue Shield of North Carolina currently dominates the individual insurance market in the state, and the organization is taking a lead role in promoting the marketplace. Its outreach efforts include operating retail stores and taking a trailer to fairs, farmers markets, and other community events across the state.

Historically, competition within the individual insurance market in North Carolina has been limited, and that is still be the case in the exchange in 2014. Just two insurers are offering policies in the exchange in North Carolina: Blue Cross and Blue Shield of North Carolina and Coventry Health Care of the Carolinas (plans from Coventry are available in only 39 of the state’s 100 counties).  FirstCarolinaCare Insurance Co. had initially planned to participate and submitted policies to the exchange, but later withdrew.  The marketplace for small businesses is even more limited, with only Blue Cross and Blue Shield of North Carolina participating.

In a move that could hinder the success of the official exchange, the North Carolina Chamber of Commerce launched its own private health insurance exchange in mid-October, designed to appeal to workers whose employers stop offering health insurance coverage (the Chamber expects a lot of this, but it remains to be seen whether this will be a significant issue going forward or not).  The Chamber exchange will not be affiliated with the state’s official health insurance exchange, and consumers should be aware that no premium or cost-sharing subsidies are available for plans purchased outside of the official exchange.

According to the North Carolina Institute of Medicine, more than 1.5 million of North Carolina residents under age 65 are uninsured.

North Carolina health insurance exchange links

State Exchange Profile: North Carolina
The Henry J. Kaiser Family Foundation overview of North Carolina’s progress toward creating a state health insurance exchange.

North Carolina Institute of Medicine (NCIOM)

Health Insurance Smart NC
Assists people insured by private health plans, Medicaid, or other plans in resolving problems pertaining to their health coverage; assists uninsured residents with access to care.
Toll free: 1-877-885-0231

Managed Care Patient Assistance Program
Serves consumers who are members of managed health benefit plans.
(919) 733-6272 / Toll-Free: 1-866-867-6272 (in North Carolina only)

Community Care of North Carolina

Legal Aid of North Carolina (855-733-3711)


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Voice your concerns to your
North Carolina elected officials

tell your elected officials

Let your North Carolina governor and legislators know how you feel about the state’s proposed health insurance exchange.

North Carolina Governor Pat McCrory
Office of the Governor
20301 Mail Service Center
Raleigh, NC 27699-0301
Phone: (919) 814-2000
Fax: (919) 733-2120
Contact by e-mail

Contact your North Carolina General Assembly Members

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