• Typical Durations:
  In North Carolina, short term health plans can last up to 364 days and may be renewed for up to 36 months (three years), depending on the insurer and your eligibility. This is among the longest durations allowed in the U.S.

• Who It’s Best Suited For:

  • People between jobs or recently laid off

  • Early retirees not yet eligible for Medicare

  • College students or recent graduates

  • Self-employed individuals without group insurance

  • Those waiting for employer-sponsored coverage or ACA open enrollment

Who Should Consider Short Term Health Plans in North Carolina?

Short term health insurance may be a good fit if you are:

• Uninsured and need immediate, temporary coverage

• Self-employed and seeking an affordable, flexible option

• A college student or recent graduate in transition

• Waiting for employer coverage or the next ACA open enrollment

• Ineligible for Medicaid or ACA subsidies due to income or other factors

Short Term Health Insurance Laws in North Carolina

• State-Specific Regulations:
  North Carolina follows federal guidelines, allowing short term health insurance plans to last up to 364 days, with renewals up to 36 months. The state does not currently impose additional restrictions or bans on short term plans.

• Not ACA-Compliant:
  Short term plans in NC do not have to meet Affordable Care Act (ACA) standards. They may exclude essential health benefits and pre-existing conditions.

• No Open Enrollment Restrictions:
  You can apply for short term health insurance at any time of year; there is no set enrollment window.

How Much Does Short Term Health Insurance Cost in North Carolina?

• Average Monthly Premiums:
  Premiums typically range from $80 to $300+ per month for individuals, depending on age, ZIP code, plan features, and deductible.

• Cost Factors:

  • Age

  • ZIP code

  • Deductible and out-of-pocket maximums

  • Length of coverage

  • Plan benefits and exclusions

• Comparison With ACA Plans or COBRA:
  Short term plans are generally much cheaper than ACA-compliant plans (which average $450–$600/month for an individual in NC), but they offer less comprehensive coverage and do not qualify for subsidies. COBRA is often more expensive but maintains your previous group coverage.

What Does Short Term Health Insurance Cover?

• Common Inclusions:

  • Doctor visits

  • Urgent care

  • Emergency room visits

  • Hospitalization

• Common Exclusions:

  • Pre-existing conditions

  • Maternity care

  • Mental health and substance use treatment

  • Prescription drugs (may be limited or excluded)

  • Preventive services

  • Vision and dental care

• Not ACA-Compliant:
  These plans do not meet ACA minimum essential coverage requirements and may leave significant gaps in protection.

Top Short Term Health Insurance Providers in North Carolina

Other carriers may also be available. Compare plan details, deductibles, and provider networks to find the best fit for your needs.

How to Apply for Short Term Health Insurance in North Carolina

• Online Application:
  Most providers offer fast online applications with minimal health questions. Approval is often instant or within a day.

• Coverage Start:
  Coverage can begin as soon as the next day after approval.

• Local Assistance:
  Licensed North Carolina agents and brokers can help you compare plans and complete your application. Contact a local agent today for a free quote!

When Should You Enroll in a Short Term Health Plan?

• Year-Round Availability:
  You can enroll at any time-there is no open enrollment period for short term health insurance.

• Ideal Times to Enroll:

  • Between jobs or after a layoff

  • Waiting for employer coverage to begin

  • Outside ACA open enrollment and not eligible for a special enrollment period

  • Waiting for Medicare eligibility

Short Term Health Insurance vs. ACA Plans in North Carolina

Pros of Short Term Plans:

• Affordable, fast coverage for healthy individuals in transition

• Flexible enrollment and quick start

Cons:

• Does not cover pre-existing conditions or many essential benefits

• Not a substitute for long-term health insurance; risk of being underinsured

Summary:
Short term health insurance in North Carolina offers a flexible, affordable option for those needing temporary coverage. However, it comes with significant limitations and should not replace comprehensive, ACA-compliant health insurance. Always review plan details carefully and consider your health needs before enrolling. For local assistance, consult with a licensed North Carolina insurance agent or broker.