FAQs and Helpful Info
I’m hearing a lot of confusing health insurance terms. What do they mean?
Here are the meanings of some common health insurance terms:
- Open Enrollment – The period of time that qualified individuals can enroll in a health insurance plan or switch to a new plan.
- Individual Health Insurance Marketplace – The Individual Health Insurance Marketplace, often called the “Marketplace” or “Exchange,” is a resource for individuals and families to shop for and enroll in a health insurance plan. It also provides information on programs that can help people pay for coverage.
- Premium – The amount you pay each month to keep your health insurance plan active.
- Out-of-pocket costs – Your total expenses for medical care that are not paid by your health insurance plan.
- Network – A group of doctors and hospitals that participate in a health insurance plan. Typically, you pay lower out-of-pocket costs if you go to doctors and hospitals that belong to your health insurance plan's network.
- Metro Charlotte (NC and SC) includes the following counties: Anson, Cabarrus, Cleveland, Gaston, Lincoln, Mecklenburg, Stanly and Union in North Carolina; Lancaster and York in South Carolina.
Why do I need health insurance?
- Most people in the US must have health coverage or pay a fee (also known as a fine or penalty). Learn more.
- Having health insurance and choosing a primary care doctor are the best ways to keep you and your family healthy.
Why does it matter which doctors and hospitals are part of my plan?
Not all health insurance plans include the doctors and hospitals you may want to get care from, so it's important to choose a plan that gives you access to the doctors and hospitals you prefer.
Choosing Carolinas HealthCare System gives you access to world-class care. We offer:
- Highly specialized care from experts at Levine Cancer Institute, Levine Children's Hospital, Sanger Heart & Vascular Institute and more
- The region's largest primary care network with more than 700 doctors and 200 locations
- Urgent Care when you need to see a doctor sooner
- Virtual Visit, 24/7 care from your smartphone, tablet or computer
Find out more about the care you get at Carolinas HealthCare System.
To help keep your out-of-pocket costs down when you get care from us, choose a health insurance plan that includes Carolinas HealthCare System in its network.
How do I buy a health insurance plan on the Marketplace?
The sign-up period to buy a 2016 health insurance plan on the Individual Health Insurance Marketplace has ended. But, you may qualify for a Special Enrollment Period, which allows you to sign up for a 2016 plan if you have certain life events like getting married, having a baby, or losing other coverage.
Find out if you qualify for a Special Enrollment Period.
To buy a plan:
- Consider the healthcare needs of yourself and your family.
- Check to see if you qualify for savings on health coverage.
- Learn about your plan options. The information on this page can help you.
- Buy online at healthcare.gov, or contact an insurance broker or insurance carrier.
Do I qualify for savings on health coverage?
- Health coverage savings are based on many factors, including the size of your family and your estimated income for 2016.
- View the savings chart at healthcare.gov to see if you qualify.
How do I change my plan?
You can change your 2016 coverage only if you’ve had a life event that qualifies you for a Special Enrollment Period. Find out if you can change plans.