One of the drawbacks of Health Care Reform (HCR) is that it has caused almost all health insurance carriers in North Carolina to discontinue issuing child only policies.  Why?  Because part of this reform is that no child under the age of 19 can be denied health insurance due to pre-existing conditions and the insurance carrier cannot put exclusion riders on children.  This means that children are guaranteed issue which puts a lot of liability on the carrier.

North Carolinians have an option though that many states do NOT offer children only health insurance policies. The states largest insurer will still issue coverage without an adult being on the policy with them.  Although coverage cannot be denied nor any exclusions placed, carriers can still increase rates based on pre-existing conditions.

To request a quote for a North Carolina child only health insurance policy click the button below for a personalized and confidential quote: