North Carolina Health Insurance Regulations

North Carolina does not have as many health insurance regulations as other states - which means it's important to know them well.

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North Carolina health insurance laws

North Carolina health insurance policies are required to include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions of no more than 12 months.
  • 31 day coverage for newborns and adopted children

North Carolina health insurance regulations

North Carolina health insurance is always available through Blue Cross Blue Shield. Other North Carolina health insurance companies can:

  • deny you health insurance on the basis of your health and age
  • charge you higher premiums on the basis of your health
  • charge you increasingly higher premiums on the basis of your health and age.

North Carolina health insurance companies must:

  • not cancel an existing health insurance policy due to illness.

North Carolina health insurance: temporary policies

Conversion plans or short term health insurance plans are the two available temporary health insurance policies.

Other NC health insurance info

If you want more help getting a good health insurance policy, take our free health insurance internet course.

Also see our guide to North Carolina small business health insurance.


For more on NC health insurance, visit the North Carolina Department of Insurance.

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