Looking for NC health insurance quotes? If you’re seeking health Insurance in North Carolina, you’ve come to the right place! WNC Health Insurance can help you find affordable health insurance quotes from top insurance carriers. Our licensed health insurance agents will take the time to learn about you and your family’s medical needs, and can help you find budget friendly NC health plans both on and off the Federal Health Insurance Marketplace.
Here are 3 quick tips to help you get the lowest NC health insurance quotes up-front:
- Select a higher insurance deductible. Plans with high insurance deductibles have the lowest premiums. If you want to limit how much you have to pay to the insurance carrier up-front, rarely see a doctor, and just want an insurance plan that offers affordable doctor visit copays and prescription co-pays, then a plan with a low to medium premium may be a good option for you. Just remember that in the event you require expensive medical care, such as a hospital stay or ER visit, you will ultimately have to meet the high deductible before your insurance carrier will pay for a portion of your expenses.
- Buy from the Federal Health Insurance Marketplace. When you purchase a health insurance plan on the Federal Health Insurance Marketplace, you can also apply for Federal subsidies to help offset the cost of health insurance premiums. Subsidies are awarded based on your annual household income. For those who qualify for a subsidy, plans on the Federal Health Insurance Marketplace will typically yield lower premiums than plans off of the Marketplace
- Get Healthy. While insurance companies can no longer raise rates or deny coverage for pre-existing conditions, repeat visits to the doctor and prescription medications can quickly add up. If you don’t suffer from a chronic illness, living a healthy lifestyle can help prevent you from paying any extra co-pays or deductibles beyond your monthly premium. Also, while insurance companies can’t charge higher rates based on health status, starting in 2015 smokers can be charged higher premium rates than non-smokers – up to 50% more. If you’ve been thinking about quitting, now is the time!
Free NC Health Insurance Quotes
One of the most effective ways to find affordable health insurance in North Carolina is to request an instant health insurance quote. You can get an instant quote from BCBSNC® and view available health plans now by clicking on the “Free Rate Quote” button above. Free NC health insurance quotes and previews of subsidy-eligible NC health plans are available on the healthcare.gov website.
Want free, personal assistance finding affordable health insurance in North Carolina? Give WNC Health Insurance a call at 828-348-2583, or toll free at 855-395-5552, and a licensed agent will help you find and enroll in a health insurance plan that fits your budget – at no extra cost to you.