RALEIGH (By Karen Welsh, Carolina Journal Online) — Two plans. Two options. Too many?
North Carolina and the federal government now offer separate, side-by-side plans to provide health insurance to individuals with pre-existing conditions. Insurance providers often find these individuals too expensive to cover under traditional plans, so the high-risk pools are set up to reduce some of the costs of coverage.
To date, 4,162 individuals have registered in the state program, paying an average of $561 a month, and 158 have enrolled in the federal pool, paying one-third less than those enrolled in the state pool.
Both options are considered temporary, stopgap measures until the Affordable Care Act takes full effect in 2014.