If you do not have access to an employer-sponsored group health plan, you may want to buy individual health insurance from a private insurer. However, in North Carolina – as in most other states – you have limited guaranteed access to individual health insurance. There are some alternatives to individual health insurance – such as COBRA, state continuation coverage, and conversion coverage. This chapter summarizes your protections under different kinds of health plan coverage.
Individual Health Plans
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- Individual Health Insurance Sold by Private Insurers
- COBRA and State Continuation Coverage
- Conversion Coverage
- North Carolina Health Insurance Risk Pool (NCHIRP)