What types of health insurance are available?

In North Carolina, there are two types of health insurance available: private insurance and governmental insurance. Private insurance comes from companies such as Blue Cross Blue Shield of North Carolina, Cigna, and Aetna. These companies offer a variety of plans, including health maintenance organizations (HMOs), preferred provider organizations (PPOs) and point-of-service (POS) plans, all of which differ in how they cover health care services. Governmental insurance is available through the federal government’s Affordable Care Act (ACA) exchange in North Carolina, as well as Medicaid and Medicare. The ACA offers plans at different tiers, or levels of coverage. Medicaid is a state-funded health insurance plan available to individuals and families whose income is at or below a certain level. Meanwhile, Medicare is a national health insurance program for people age 65 and over, as well as for certain younger people with disabilities. Understanding the differences between the types of health insurance available in North Carolina can help you choose the plan that best meets your needs.

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What types of health insurance are available?

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