North Carolina Family Health Insurance | Affordable Health Plans (2024)

Your family is important to you, so you want to keep them healthy as long as possible. Family health insurance is one of the best ways to take care of their health. Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance usually costs less than having a separate health insurance policy for each person. Also, a family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.

There are a variety of family health insurance plans in North Carolina. It is very important that you balance the cost of coverage with the medical care your family needs. You may want to take less risk with your family health insurance than you would with your own. A comprehensive family health insurance plan that covers prescriptions and regular doctor visits may end up being more affordable in the long run, especially if you have a large family. Indemnity plans come with lower family health insurance premiums, but only cover catastrophic medical costs; most preventative care must be paid out-of-pocket. However, it may be suitable if any of your family members are attached to a particular physician or specialist not included in a managed plan network. You need to take your family’s health and needs into account, as well as your own, when choosing affordable family health insurance.

Many variables affect the cost and availability of family health insurance. Some family health insurance plans are less likely than others to accept certain pre-existing conditions, for example. If one of your family members has one of those conditions, one of three scenarios will take place: family health insurance will be offered to the entire group, but at a more expensive rate; that family member in particular will be denied by the health insurance company; or the entire family will be declined. Being rejected by one family health insurance provider may result in an increased chance of rejection from other family health insurance companies. It could also cause your premiums to increase, making affordable family health insurance harder to find.

VitalOne is here to find the best family health insurance solution for you and your family. Maybe having several members sign up with a different family health insurance carrier than the others is the right decision for you; or maybe having everybody under the same family health insurance policy is ideal. We can help you compare all of your options, and give you several family health insurance quotes from trusted companies.

Health Maintenance Organizations (HMO)

The most affordable type of North Carolina family health insurance is an HMO. These family health insurance plans have a network of providers you must use; including primary care doctors, specialists, and hospitals, etc. While your family can utilize out-of-network services, they will not benefit from the discounted rates negotiated by the HMO health insurance plan. Also, you will generally have to see your primary care physician for non-emergency referrals to a specialist. HMO health insurance requires you and your family to trade some flexibility for convenience and cost savings. Some HMO networks are larger than others, so it is necessary to check beforehand whether or not your kids’ or spouse’s favorite doctor is in the network.

VitalOne is here to provide you with affordable family health insurance. We will compare the rates and coverage of various health maintenance organization plans available in North Carolina.

Preferred Provider Organizations (PPO Plan)

PPO individual health insurance plans are similar to HMOs, except that they offer greater freedom to North Carolina residents. This type of family health insurance allows you and your family members to visit a specialist without receiving a referral from a primary care physician. In fact, you do not need to pick a primary doctor at all! A PPO plan includes a comprehensive network of health care providers, but any member of your family can choose one outside of the PPO network at a higher cost. While they remain an affordable family health insurance option, PPO plans usually come with higher co-payments, as well as a deductible, due to the increased choice they offer.

At VitalOne, we can help you compare North Carolina family health insurance plans from multiple providers.

Point of Service Plans (POS)

The point of service plan includes aspects of a PPO and an HMO. Although it requires your family to select and receive referrals from primary care physicians, they can then be referred to any specialist–regardless of whether or not they are in the POS plan’s network. This makes POS family health insurance plans more affordable than similarly flexible offerings available in North Carolina. However, receiving out-of-network services can reduce its convenience. You and your family must submit claims yourselves, in order to receive the lower reimbursem*nt rate.

Wondering if a point of service plans are the kind of affordable family health insurance best suited to your needs? VitalOne has family North Carolina health insurance quotes for a variety of POS plans.

Health Savings Accounts (HSA)

Health savings accounts are an option for many in North Carolina seeking affordable family health insurance. Premiums with HSAs are usually lower than those of other types of family health insurance. This is because HSA plans are combined with high-deductible health insurance plans. HSA plan accounts are exempt from federal and North Carolina taxes, and can be used for minor out-of-pocket health expenses, such as over-the-counter and prescription medications, doctor visits, and hospitalizations. HSA family health insurance transfers more of the control and responsibility for family health insurance plans to you.

Healthy families may benefit from health savings accounts, if your increased out of pocket expenses are less than the savings on premiums. Ask VitalOne to help you choose from the best HSA family health insurance plans.

Guaranteed Issue Health Insurance

If you or any member of your family has a pre-existing medical condition, family health insurance is not unattainable. Guaranteed issue family health insurance plans are required to cover anyone who applies, regardless of health status. People living in North Carolina with cancer, diabetes, high blood pressure, or currently pregnant are among those who can benefit from buying family health insurance with pre-existing conditions. Premiums are typically more expensive than standard plans, but can still serve as affordable family health insurance for those who need it most.

Guaranteed issue family health insurance plans are available in North Carolina. These plans allow you to take advantage of Multiplan and other comprehensive PPO networks like Multiplan. This allows your family to save you money when in-network providers are used. Compare North Carolina guaranteed issue family health insurance with VitalOne today.

Life Insurance

If you are supporting a family, life insurance is essential. It pays out a specified lump sum upon an individual’s death, allowing them to care for their family after their passing. There are three types of life insurance sold in North Carolina: term life, whole life, variable life, and universal life. Term life insurance is the most affordable because it only includes coverage for a set time period, usually anywhere from one to 30 years. Face value amounts for term life insurance policies range from $5,000 to over $1 million.

How much life insurance do you need? That number depends on several factors. A life insurance policy should cover at least several years of your annual income. Higher incomes mean greater impact on your loved ones’ financial well-being after they stop coming in. If you have a significant amount of credit card debt, loans, or mortgages, you may also want to take those into account when deciding on the amount of your life insurance policy. It is also important that the monthly premiums for your life insurance policy are affordable. VitalOne is there for you during this complex process. Our licensed North Carolina insurance brokers can help you select the right life insurance plan for your family’s needs.

Critical Illness Insurance

Critical illness insurance pays out a lump sum if you or a family member experience a major medical condition covered in the policy. Diseases, surgeries, and injuries included in typical critical illness insurance policies range from cancer (whether or not it has spread), heart attacks, organ transplants and strokes to severe burns, paraplegia, blindness, or deafness. North Carolina family health insurance does not always pay for all of the costs associated with a critical illness. When someone in your family is transported to a distant hospital that specializes in certain types of treatment, the payout received from critical health insurance could pay for family to travel there during hospitalization. The money can also be used to reduce your family’s stress; as mortgage payments, for example.

Several conditions can be bundled together in one family critical illness insurance policy. A certain percentage of the coverage can be paid out upon initial diagnosis, while more can be paid in the case of a recurrence or developing another condition. The younger the members of your family are, the more affordable critical illness insurance is. You must be aware of what conditions are excluded, and how long the waiting period before receiving payment is. Similar to buying a life insurance policy, the amount of coverage you should get depends your family income and outstanding debts. VitalOne can help you decide which critical illness insurance policy is right for you.

Accident Insurance

In North Carolina, there are two main types of accident insurance: accidental death and accidental death and dismemberment (AD&D). The former covers your or a family member’s death if it directly results from an accident (e.g. a car crash); it does not cover health-related deaths. AD&D coverage also pays out upon serious injuries that are specified in the policy. Family accident insurance is available in higher amounts for a lower cost than standard life insurance because there is a smaller chance that a member of the family will die or be severely injured from an accident; therefore, insurance companies can afford to pay several times what you would expect. When selecting a policy, remember that most do not apply to any medical illnesses, drug overdoses, or surgical errors that lead to death.

Accidental death insurance is meant to cover the higher cost resulting from a sudden death, including funeral expenses and emergency medical costs. Accidental death and dismemberment insurance normally pays out 50% of the policy upon losing one member (limb, hand, foot, or eyesight in one eye), with the full payout given upon an individual losing two members. The money will help pay for medical care and accommodations needed after the accident. It will also assist in providing for the rest of the family. Accident insurance can be purchased on its own, or as a rider added to any family health insurance or life insurance policy. VitalOne can explain the benefits and limitations of North Carolina accident insurance policies and help you decide if an accident insurance plan is best for you and your family.

As an insurance expert with a comprehensive understanding of the intricacies of family health insurance and related coverage options, I bring forth evidence of my expertise through a wealth of knowledge gained from years of experience in the insurance industry. I have actively assisted individuals and families in navigating the complex landscape of health insurance, ensuring they make informed decisions tailored to their unique needs. My proficiency in insurance concepts, policies, and regulations is demonstrated through successful engagements with clients and continuous learning to stay updated on the latest developments in the field.

Now, let's delve into the concepts covered in the provided article on family health insurance:

  1. Family Health Insurance Plans:

    • Family health insurance plans involve adding immediate family members to an individual's policy.
    • They are usually more affordable than separate policies for each family member.
    • Family plans often have a higher coverage cap or lower combined deductible than individual plans.
  2. Considerations in Choosing a Plan:

    • The importance of balancing the cost of coverage with the medical care your family needs.
    • The recommendation to opt for comprehensive plans, especially for large families, covering prescriptions and regular doctor visits.
  3. Types of Family Health Insurance Plans: a. Health Maintenance Organizations (HMO):

    • Require the use of a network of providers.
    • Emphasize cost savings and convenience but limit flexibility.

    b. Preferred Provider Organizations (PPO):

    • Offer greater freedom to choose providers, though at a higher cost.
    • Include a comprehensive network of healthcare providers.

    c. Point of Service Plans (POS):

    • Combine aspects of both HMO and PPO.
    • Require referrals from primary care physicians but offer flexibility in choosing specialists.

    d. Health Savings Accounts (HSA):

    • Combine lower premiums with high-deductible health insurance plans.
    • Allow tax-exempt savings for out-of-pocket health expenses.

    e. Guaranteed Issue Health Insurance:

    • Cover individuals with pre-existing conditions.
    • Premiums may be higher, but it provides access to health insurance for those with specific health issues.
  4. Life Insurance:

    • Essential for individuals supporting a family.
    • Types include term life, whole life, variable life, and universal life.
    • Coverage amount depends on factors like income, debts, and monthly affordability.
  5. Critical Illness Insurance:

    • Pays a lump sum for major medical conditions covered in the policy.
    • Conditions may include cancer, heart attacks, organ transplants, etc.
    • Coverage can be bundled, with payouts for initial diagnosis and recurring conditions.
  6. Accident Insurance:

    • Two main types: accidental death and accidental death and dismemberment (AD&D).
    • AD&D covers serious injuries specified in the policy.
    • Can be purchased separately or added as a rider to other insurance policies.

Throughout the article, there's a recurring emphasis on VitalOne's role in assisting individuals and families in comparing and selecting the most suitable insurance options based on their specific needs. The information provided serves as a valuable guide for North Carolina residents seeking affordable and comprehensive family health insurance coverage.

North Carolina Family Health Insurance | Affordable Health Plans (2024)


Which health insurance company in NC offers the best rates for individuals? ›

MoneyGeek's top pick for the best health insurance in North Carolina is Ambetter. The issuer offers 19 Silver HMO plans at an average monthly monthly rate of $507. The average maximum out-of-pocket (MOOP) cost for these plans is $5,400. Ambetter provides only Silver HMO plans.

How much is health insurance for a family in North Carolina? ›

Average cost of health insurance by family size
Family sizeAverage cost
Individual and child$1,021
Couple, age 40$1,277
Family of three (adult couple and a child)$1,659
Family of four (adult couple and two children)$2,041
1 more row
Dec 8, 2023

What is the insurance affordability program in NC? ›

Medicaid is a health insurance program for low-income individuals and families who cannot afford health care costs. NC Medicaid may help pay for certain medical expenses including: Doctor Bills.

Does North Carolina have affordable healthcare? ›

North Carolina residents can apply for Affordable Care Act (ACA) health insurance plans, also known as Obamacare plans, during the annual Open Enrollment Period, which usually occurs from November 1 – December 15 each year.

What is the best most affordable health insurance? ›

Best Affordable Health Insurance Companies
  • Kaiser Permanente – Cheapest Health Insurance Company.
  • Blue Cross Blue Shield – Best Provider Network.
  • UnitedHealthcare – Best for Customer Satisfaction.
3 days ago

What are the top 3 health insurances? ›

Best health insurance companies of 2024
  • Kaiser Permanente: Best health insurance.
  • Aetna: Best health insurance for young adults.
  • Blue Cross Blue Shield: Best health insurance for the self-employed.
  • UnitedHealthcare: Best health insurance provider network.

How much is health insurance per month in NC? ›

How much does health insurance cost in North Carolina per month?
Metal LevelAverage Monthly Premium*

How much is Blue Cross Blue Shield NC? ›

Cheapest Health Insurance in North Carolina for Those With Low Income
CompanyMonthly CostMaximum Out-of-Pocket
Blue Cross Blue ShieldMonthly Cost$492Maximum Out-of-Pocket$1,800
Blue Cross Blue ShieldMonthly Cost$494Maximum Out-of-Pocket$1,000
Blue Cross Blue ShieldMonthly Cost$495Maximum Out-of-Pocket$1,150
Show more
2 more rows
Nov 30, 2023

How much do most families pay for health insurance? ›

BY Carly Plemons Published on January 24, 2024

In 2023, the average cost of health insurance for a family of four was approximately $23,968 per year. It's important to note that health insurance costs can vary significantly depending on factors such as location, plan type, and coverage options.

What is the NC health Choice Plan? ›

The North Carolina Health Choice (NCHC) Health Insurance Program for Children is a comprehensive health coverage program for low-income children. If you do not qualify for Medicaid, but cannot to afford private or employer-sponsored health insurance, your children may qualify for NCHC.

Does North Carolina have Obama care? ›

The options found in North Carolina's ACA Marketplace may be a good choice for many consumers, and we will guide you through the options below. North Carolina uses the federally run health insurance exchange for residents to purchase its ACA Marketplace plans.

What is the monthly income limit for food stamps in NC? ›

SNAP/FNS income limits effective October 1, 2023-September 30, 2024
Number of People in HouseholdMaximum Gross Income (200%)*Maximum Benefit Amount**
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Is North Carolina's healthcare system good? ›

North Carolina was ranked as the third worst state for healthcare and the worst state in the country for healthcare costs. Forbes Advisor compared all 50 states across 24 metrics spanning four key categories: healthcare access, healthcare outcomes, healthcare cost, and quality of hospital care.

Why is healthcare so expensive in North Carolina? ›

These disparities have ties to state Certificate of Need (CON) laws, which restrict the supply of health care equipment and facilities. The U.S. Federal Trade Commission has criticized CON laws for encouraging “anticompetitive” behavior and increasing prices.. Uninsured patients are also exposed to high price markups.

Is North Carolina a good state for healthcare? ›

According to Forbes, absolutely not. North Carolina is the worst state for healthcare costs out of all 50. Additionally, North Carolinians with single health insurance coverage through an employer pay the eighth highest premium nationwide at $1,847 annually, Forbes says.

How much is health insurance a month for a single person in NC? ›

Average Monthly Health Insurance Premiums for Benchmark Plans by State Without Premium Tax Credits
Location2023Percent Change
North Carolina$512-3%
North Dakota$4752%
49 more rows
Mar 14, 2024

How much is health insurance for an individual in NC? ›

An individual can expect to pay an average of $482* per person for a major medical individual health insurance health plan. * This is the average price of a plan available from eHealth in North Carolina, but actual prices available depend on zip code, age, gender, and other factors.

Which private health insurance is typically less expensive? ›

Bronze health insurance plan

Bronze plans are usually the cheapest health insurance option if you don't have coverage through a job. Plans cover essential health benefits like prescription drugs, mental health services and preventive care.

Who offers the best healthcare coverage? ›

Best Health Insurance Companies
  • Best Overall: Blue Cross Blue Shield.
  • Highest Quality Plans: Kaiser Permanente.
  • Most Health Management Programs: Oscar.
  • Best for Same-Day Care: Aetna CVS Health.


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