Short-Term Health Insurance Plans in North Carolina

How does NC short term health insurance work?

North Carolina short term health insurance plans offer health care coverage for up to 12 months with the chance to renew for up to 36 months. Short term coverage in North Carolina can be a great solution when you're between jobs, waiting for group coverage to start, or need an affordable solution to more traditional health insurance for some time.

Although North Carolina defaults to federal laws for the duration of short term coverage, they also have some of their own regulations for these plans. One additional regulation for short term health insurance in North Carolina, is that a person will be considered continuously insured if they get a short term plan before enrolling in an employer-sponsored plan (as long as the short term coverage wasn’t more than 12 months).

Get Quotes on Short Term Health Insurance in North Carolina

We offer NC residents short term medical insurance plans provided by leading insurance carriers. Compare North Carolina short term health insurance plans and select the plan best suited for your health care needs.

Make sure to read your plan details carefully when shopping for short term health insurance in North Carolina, so you understand that this temporary coverage is different than typical ACA-compliant coverage.

What to know about North Carolina short term health insurance

A major appeal of short term health coverage is how affordable it is. The benefits covered by short terms plans are typically related to emergency care, meaning that these plans may work well for those who don’t require regular medical care, such as frequent visits to the doctor or expensive prescriptions. Although these plans do not have as many benefits as major medical health insurance, they provide some coverage that’s still affordable for many people.

Purchasing a short term health insurance plan in North Carolina may make you ineligible for any guaranteed issue individual health plans commonly referred to as HIPAA Plans, or a COBRA plan if you recently lost coverage from a group health plan.

Also keep in mind that short term health plans typically do not cover pre-existing medical conditions or many benefits that more comprehensive plans do, such as the minimum essential benefits that are required for qualified health plans under the Affordable Care Act. Furthermore, short term plans generally do not guarantee renewal, so any conditions that develop while you are on a short term plan may prevent you from renewing or may be excluded from your policy once you renew.

Due to those limitations, short term health insurance might not be for everyone. If you are seeking to save on health insurance costs in North Carolina and only need minimal coverage, short term can be a good option, but make sure to take the risks and your own health care needs into account when it comes to choosing your health insurance plan.