North Carolina Health Insurance Exchange

* North Carolina will NOT have its own health insurance exchange.
* North Carolina will NOT expand Medicaid.

Delays Mean No Health Insurance Exchange For North Carolina

Back in 2011 North Carolina intended to create its own health marketplace to be in compliance with the Affordable Care Act. However, the series of bills that were written to make that happen all failed to be passed by the legislature and at least for 2014, it is now too late. (Now ex-governor) Governor Beverly Perdue has announced that North Carolina will opt for the federally run insurance exchange in 2014 and that talks are still ongoing whether to make a state exchange in the future.

Anyone who lives in North Carolina should go to starting October 1, 2013 to shop for health coverage under the ACA. While the plans may not be specifically developed for North Carolinians, everyone should be able to find coverage even if they have been turned down before for pre-existing conditions or other reasons.

On July 30, 2013 it was announced that three insurance companies have been approved to sell health plans on the exchange when it open on October 1st. Those three are: Blue Cross and Blue Shield of North Carolina, Coventry Health Care of the Carolinas, and FirstCarolinaCare Insurance Co. The rates they will be charging were not announced and will be kept secret until the marketplace opens.

September 13, 2013 Update: FirstCarolinaCare has just dropped out of the exchange leaving only the two companies listed above. This means fewer choices for people living in North Carolina and reduced competition as well as possibly higher prices.


Expanded Medicaid Will Not Happen In North Carolina

New governor Pat McCrory (Republican) has announce that the state will not expand Medicaid as stipulated by the ACA. Not a fan of Obama Care or the federal government taking over health care, McCrory has said that expanding Medicaid would be too costly to taxpayers in the long run and not the right decision at this time.