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N.C. Residents Can Apply For Health Insurance Until Mid-January

The Annual Enrollment Period (AEP) for North Carolina residents to buy Health Insurance for 2023 runs through January 15, 2023. The AEP was extended this year for 2023. In addition, if you’re losing coverage on December 31, that qualifies you for a Special Enrollment Period (SEP) to get a January 1 effective date if you apply for coverage in December. If you’re not eligible for an SEP but enroll by January 15, 2023, then your effective date would be February 1.

North Carolina uses the federally run exchange (HealthCare.gov), and has not yet expanded Medicaid under the ACA. While the federal government is running the marketplace in North Carolina via Healthcare.gov, the state department of insurance reviews the rates proposed by insurers who want to sell policies in North Carolina through the federal exchange. This is the only involvement that the state has with the exchange.

The AEP for Health Insurance is also a good time to update your income, address, and so on. Once the AEP is over, you would then be able to qualify for Health Insurance with an SEP event such as moving, having a baby, loss of Employer Group Coverage, getting married, and more. For more information, go to https://www.healthinsurance.org/health-insurance-marketplaces/north-carolina/