The Best Obamacare Health Insurance Plans in North Carolina
With the enrollment deadline just around the corner and tax season a bit further away, you know it’s time to get insured. But where do you go and how do you know which health plans are the best Obamacare health insurance plans?
For residents in North Carolina, you must visit the federal exchange at HealthCare.gov in order to find a health plans eligible for federal subsidies. The plethora of health plans to choose from may be a bit daunting, but we’ve done the homework for you and have made things a bit easier.
Our table below shows the two healthcare providers participating in the North Carolina exchange. It also provides a few of their available plans, deductibles and out-of pocket maximums. We’ve also provided health plan data from the National Committee for Quality Assurance (NCQA’s Private Health Insurance Plan Rankings 2013-2014 and NCQA’s Medicaid Health Insurance Plan Rankings 2013-2014) for each provider.
The NCQA is the leading source for statistically valid analysis on health plan performance. Annually, the NCQA ranks private, Medicare and Medicaid health insurance plans from across the US. Health plan providers submit data to the NCQA for analysis and subsequently, authorize the NCQA to release publicly the results of their performance. Each plan earns a score from 1-100—100 being the best—based on the combination of consumer-reported healthcare effectiveness, patient surveys and the NCQA’s Accreditation standard scores. This combined score is reported on either NCQA’s Private Health Plan Rankings or its Medicaid and Medicare Health Plan Rankings. Plans that provided insufficient data for analysis were not scored.
|Healthcare Providers||Example Plans||Deductible||Out-of-Pocket Maximum||NCQA Score|
|Blue Cross and Blue Shield of North Carolina||Blue Advantage Bronze 2700 (PPO)||$2,700||$6,350||82.1|
|Blue Advantage Silver 0 (PPO)||$0||$6,350|
|Blue Advantage Gold 0 (PPO)||$0||$5,000|
|Blue Advantage Platinum 500 (PPO)||$500||$1,500|
|CoventryOne||Bronze $10 Copay POS Plan||$5,600||$6,350||Not Scored|
|Silver $10 Copay POS Plan||$3,750||$6,350|
|Gold $5 Copay POS Plan||$1,750||$5,000|
North Carolina is one of the 21 states that will not be expanding Medicaid. This means that only those at or below the federal poverty level are eligible for health plans through Medicaid. Nonetheless, even if you don’t qualify, your children may still qualify for health coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
Once you’ve found the best health plans for you and your family, make sure you don’t just stop there. Finding the best hospitals in North Carolina should be next on your to-do list and we’ve also done our homework there.
NCQA is a private, non-profit organization dedicated to improving health care quality. NCQA accredits and certifies a wide range of health care organizations. It also recognizes clinicians and practices in key areas of performance. NCQA’s Healthcare Effectiveness Data and Information Set (HEDIS®) is the most widely used performance measurement tool in health care.
North Carolina flag image via Shutterstock
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