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North Carolina Obamacare

As of February 22, 2015, approximately 560,357 North Carolina citizens were enrolled or automatically re-enrolled in North Carolina’s Obamacare Marketplace (also known as the Affordable Care Act). The average tax credit through the Marketplace was $315 per month. In 2014, North Carolina Obamacare participants had two companies offering plans to choose from; in 2015 that increased to three. From 2014 to 2015 the number of plans offered across the state increased from 18 to an average of 26 health plans, depending on the county the resident lived in. A closer look at Obamacare in North Carolina is featured below.

  • Did North Carolina accept the Obamacare Medicaid expansion?
  • Does North Carolina or the Federal government run the health insurance exchange for the state?
  • North Carolina eligibility for Obamacare
  • How to apply for Obamacare in North Carolina
  • North Carolina health plan cost and availability.

Did North Carolina Accept the Obamacare Medicaid expansion?

Since 2013, 30 states and the District of Columbia have voted to accept the ACA Medicaid expansion to those whose income is 133 percent of the poverty line. However, Affordable Care Act Medicaid expansion has thus far been refused in North Carolina. What is the expansion of Medicaid that North Carolina is concerned about? ACA Medicaid expansion cost to states was a significant concern of the state legislature in its 2012 refusal of expansion. Obamacare Medicaid expansion details included raising the poverty level for application to 133 percent of the poverty line, thus enlarging the number of people with Obamacare Medicaid eligibility. Beyond this, what is the Obamacare Medicaid expansion that the state’s legislators were also concerned about?  Obamacare Medicaid expansion would create a significantly larger bureaucracy through the expansion of Obamacare Medicaid application applicants.

Does North Carolina or the Federal Government Run the Health Insurance Exchange for the State?

“What is the health insurance exchange?” The Obamacare health insurance exchange is a specific website developed for use by many states. Many states, including North Carolina, have used the federal government’s Obamacare healthcare marketplace, where the health insurance exchange regulations are also posted. The answer to the question, “What is the marketplace for health insurance?” remains the same: this is a central internet site where North Carolina residents can find information on health insurance options in their county. Residents will be able to choose from a selection of health insurance companies and a variety of plans.

North Carolina Eligibility for Obamacare

“Who is eligible for Obamacare?” is answered by a number of factors, including age, income, and disabilities. As part of these factors, the Obamacare coverage eligibility requirements include needing documentation such as birth certificates, citizenship, proof of residency and income tax records. Bringing a photo ID will is also necessary. How to qualify for Obamacare is based on the state’s Obamacare income requirements, which will determine tax credit eligibility. The remaining factor answers the question, “What are the requirements to apply for Obamacare in NC?” which will include citizenship, residency and employment status. Applicants should also include information about each household member in the residence.

How to Apply for Obamacare in North Carolina

Determining how to get Obamacare is a simple matter of going to the healthcare marketplace website. Applicants can learn how to apply for Obamacare insurance by placing a simple phone call, mailing in a form, or making application in person at the local Division of Social Services (DSS) office.

Curious how to enroll in Obamacare in North Carolina? One part of the process involves the applicant securing his or her North Carolina Identification (NCID). The NCID enables the applicant to set up a personal password to control his or her access to many North Carolina government agencies, including Medicaid.

Not sure where to apply for Obamacare? The process can be initiated by phone or by mail. “Can I apply online for Obamacare in NC?” Yes, the federal government’s Medicare website is one of the easiest ways sign up for Obamacare. Additionally, applicants may apply in person at the county Division of Social Services (DSS) office. That office will also provide a paper registration form that can be completed at home and returned in person or by mail.

When applying, many want to know what is needed to sign up for Obamacare.  Applicants should bring a wide variety of documents with them, including certified birth certificates or other proof of citizenship/alien status. Social Security cards are also needed. What do I need to apply for Obamacare beyond this? Two documents will be needed to prove North Carolina residency, along with the candidate’s previous month’s pay stubs. If the applicant has any medical or life insurance policies in place, that information will be needed as well. The applicant will also need to bring a list of all cars, boats, trucks, motorcycles, etc. associated with the household, including the year, make, model and VIN number for each item. Recent bank statements and a list of all property owned will be needed. Finally, a current financial statement will be required, including any other sources of income, such as pensions or veteran benefits.

Health Plan Cost and Availability in North Carolina

“How much will Obamacare insurance cost me?” is not an easily answered question. Availability and cost of health plans will vary by state, and even counties within states. Obamacare health insurance price estimates will vary because of different demographics and differing regional populations. But it should be noted that at the beginning in 2014, insurers could only price plans based on age, tobacco use, the area the applicant lives in and family composition. Obamacare health insurance plans costs can no longer be based on pre-existing conditions, gender or the kind of medical facilities in the area.

North Carolina health plans and costs are reflected in four types of plans, with the value of the plan reflecting in the cost range of the tier presented. The plans include bronze, silver, gold, and platinum, each with its own coverages and percentages paid. Catastrophic coverage is offered to those under 30, only. All plans will cost more if the applicants use tobacco products.

One other factor affecting all four of these plans is that the total out-of-pocket expenses are capped. This step was taken to help lower the number of people filing for bankruptcy due to medical expenses. In North Carolina, the cap is $6,350 for individuals and $12,700 for families.

“How much does Obamacare cost?” can be answered more specifically by applying these guidelines to the applicant’s specific situation, and utilizing one of many calculators available.