North Carolina short-term health insurance

How Does North Carolina Short-Term Health Insurance Work?

North Carolina short-term health insurance provides temporary coverage for individuals facing a gap in their regular health insurance. These plans offer essential health coverage for a limited period, up to three months and the option to renew for one additional month.

North Carolina short-term health insurance is often more affordable than standard health plans, making it an attractive option for those needing immediate, short-term coverage without a long-term commitment.

New Legal Information on North Carolina Short-Term Health Insurance

Recent legislative changes have significantly impacted short-term health insurance. The government has introduced stricter regulations, limiting the duration and renewability of these plans.

Starting September 1, 2024, the maximum term for short-term health insurance will be reduced from 12 months to three months, with a possible one-month renewal, totaling up to four months. Enrollment is open year-round, and coverage typically begins shortly after signing up.

Short-term health insurance plans do not have to follow all ACA coverage mandates. Until 2019, these plans incurred a federal tax penalty as they weren't considered qualified plans. Although the federal penalty was waived in 2019, some states may still impose their own penalties.

It's essential to check your state's specific rules and regulations regarding short-term health insurance to understand your options and compliance requirements.

What Do Short-Term Plans Cover?

Short-term health insurance covers basic medical services related to unexpected illness or injury. Typically, these plans include:

• Doctor's office visits
• Emergency room visits
• Hospital stays
• Surgeries
• X-rays and lab services

Coverage Limits and Exclusions

Short-term plans do not cover all medical needs. They typically exclude:

• Pre-existing conditions
• Maternity care
• Preventive care
• Vision and dental care
• Mental health services

Short-term health insurance is intended for temporary coverage and is not as comprehensive as ACA-compliant major medical plans. It's best for filling gaps between more robust policies. Coverage specifics vary by plan and provider, so consult with licensed agents at eHealth to find the best plan for your needs and budget.

What to Know About North Carolina Short-Term Health Insurance

Short-term health insurance plans are designed to provide temporary coverage and can be a viable solution for those who:

• Are between jobs and waiting for new employer-based coverage to begin.
• Missed the Open Enrollment period for the Affordable Care Act (ACA) plans.
• Are waiting for Medicare eligibility.
• Are young adults no longer covered under their parents' health insurance.
• Need quick proof of insurance (to engage in a special activity or trip)

Eligibility

When considering state short-term health insurance, knowing the eligibility requirements is crucial. To qualify, you'll need to complete a health questionnaire from the insurance provider. This form assesses your medical history, asking about past diagnoses or treatments for conditions such as cancer, heart disease, or emphysema, as well as any recent symptoms of these illnesses within the past five years. Let's delve into the specifics to help you determine if state short-term health insurance is a suitable option for you.

Some insurance companies will automatically disqualify you for short-term insurance if you:

• Are a man who weighs more than 300 pounds or a woman who weighs more than 250 pounds
• Have been diagnosed with, or treated for, HIV or AIDS
• Are currently insured under another policy
• Qualify for Medicaid
• Aren't a citizen or legal resident of the United States

Options for Affordable Health Insurance During a Coverage Gap

If you are experiencing a coverage gap, several options for affordable health insurance can bridge the gap:

1. Short-Term Health Insurance: These plans provide temporary coverage and are typically more affordable than standard health insurance plans. However, they may not cover pre-existing conditions and have limited benefits.
2. ACA Marketplace Plans: During the Open Enrollment period or if you qualify for a Special Enrollment Period, you can purchase insurance through the ACA Marketplace. Subsidies may be available based on your income.
3. Medicaid: If your income is low, you may qualify for Medicaid, which provides comprehensive coverage at little to no cost.
4. COBRA Coverage: If you recently left a job, you might be eligible to continue your employer-based health insurance through COBRA, although this can be expensive as you pay the full premium.
5. Community Health Clinics: These clinics offer medical services on a sliding scale based on your income, providing a low-cost option for basic healthcare needs.

How to Get Quotes for Short-Term Health Insurance

Finding the perfect plan is a breeze with eHealth. Simply visit our website and enter your zip code to instantly view all the available options tailored to your needs. You can compare different plans side by side, making it easy to choose one that fits just right, without the hassle of navigating offers from multiple carriers. By entering a few basic details like coverage preferences, eHealth provides you with multiple quotes, ensuring you can make an informed decision quickly and efficiently. With our one-stop-shop approach, you have all the information at your fingertips to pick the best plan for your circumstances—finding the right short-term health insurance is just a few clicks away!

States That Don't Allow Short-Term Health Insurance

In some states, short-term health insurance is either heavily restricted or not allowed. If you reside in one of these states, consider the following alternatives:

• ACA Marketplace Plans: Explore options through the ACA Marketplace. Even outside the Open Enrollment period, you may qualify for a Special Enrollment Period under certain circumstances.
• Medicaid: Check if you qualify for Medicaid, which offers comprehensive coverage based on your income level.
• eHealth Insurance: eHealth offers various health insurance options, including ACA plans, that can be tailored to your needs. They provide access to benefit advisors who can help you navigate your options and find the best plan for your situation.

For personalized assistance, contact eHealth's benefit advisors, who can guide you through selecting and enrolling in the most suitable health insurance plan based on your specific needs and circumstances.