Health insurance in North Carolina is not regulated by the state. This means that the state cannot set prices and also can’t advise a person regarding which health insurance company is best. They can however supply some crucial information to individuals searching for a private health insurance policy. The North Carolina Insurance Department can reveal when a company started to do business in the state as well as the ratio of complaints brought against the company.
This is certainly important information that should be taken into consideration whenever a person is looking for health insurance in the state. Another crucial factor is price. No one wants to pay more for health insurance than they need to.
An easy way to get the best rates on health insurance in North Carolina is to purchase a policy when you are young. Although most people who recently graduated from college don’t consider health insurance a pressing issue, they can save a lot by buying a policy now. One of the things that cause premiums to jump is illness. If you go looking for health insurance quotes after being diagnosed with a long term condition you will pay more than if you had secured the policy before it happened. For that reason, it’s always advisable to get insurance early in life.
It’s also a good idea to try and maintain a healthy lifestyle. If you are overweight you’ll be viewed as a high risk for certain diseases. Someone who is the same age as you that is at their suggested body weight will pay less in premiums. The same is true of people who smoke. If you quit smoking, you’ll be charged less. Not only will this result in a lower rate but you’ll also be healthier and will likely live longer. It’s clearly a win-win situation.
By Deborah Mills
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