Inclusive Health
Have you been denied health insurance because of a medical condition? We now have a great option for you through the North Carolina Health Insurance Risk Pool.
Insuring People with Medical Conditions
Inclusive Health, also known as the North Carolina Health Insurance Risk Pool (NCHIRP), provides affordable, individual health insurance coverage for North Carolinians who do not have access to an employer health plan and face higher premiums due to a pre-existing medical condition. It will also offer coverage to individuals who are federally defined HIPAA eligibles or qualify due to loss of employment due to the effects of international trade under the Health Coverage Tax Credit.
The North Carolina General Assembly created the North Carolina Health Insurance Risk Pool in 2007. It serves as North Carolina’s alternative mechanism for those who’ve exhausted their COBRA continuation coverage. Individuals with 18 months of prior continuous coverage may qualify for coverage under Inclusive Health and are not subject to Inclusive Health’s pre-existing condition waiting period.
Inclusive Health also provides coverage to individuals who have lost their jobs due to the effects of international trade and are eligible for the health coverage tax credit under the Trade Adjustment Assistance (TAA) program. This includes Department of Labor certified TAA or Alternative TAA eligibles. It also includes those who receive benefits from the Pension Benefit Guaranty Corporation and are at least 55 years old.
Who Is Eligible?
As its name implies, the idea behind Inclusive Health is to include as many people as possible. You may be eligible for Inclusive Health if you fit one of the following eligibility categories:
You’ve received a notice of rejection or refusal to issue similar coverage for medical reasons.
You’ve been offered coverage with conditional rider limiting coverage.
You’ve been offered coverage at rates higher than Inclusive Health’s rates, or you have similar non-group coverage at a rate higher than Inclusive Health’s rate.
You’ve been diagnosed with a condition from a list of high-risk conditions (for convenience – does not have to go through application/rejection).
You are federally (HIPAA) eligible, or currently have HIPAA coverage.
You are a resident eligible for federal Health Coverage Tax Credit (trade-displaced workers, PBGC recipients).
Partial Listing of Eligible Medical Conditions
Acquired Immune Deficiency Syndrome/Human Immunodeficiency Virus
Alzheimer’s Disease
Amyotrophic Lateral Sclerosis (Lou Gehrig’s Disease)
Aneurysm
Angina Pectoris
Angioplasty
Ankylosing Spondylitis
Cancer (except skin) treated or diagnosed in past 5 years
Cardiomyopathy
Cerebral Palsy
Chronic Obstructive Pulmonary Disease
Chronic Renal Failure
Cirrhosis of the Liver
Congestive Heart Failure
Coronary Insufficiency
Coronary Occlusion
Crohn’s Disease
Cystic Fibrosis
Emphysema
Hemochromatosis
Hemophilia
Hepatitis C
Hodgkin’s Disease
Huntington’s Chorea
Hydrocephalus
Leukemia
Lupus Erythematosus Disseminate
Major Organ Transplant
Multiple or Disseminated Sclerosis
Muscular Dystrophy
Myasthenia Gravis
Myocardial Infarction
Paget’s Disease
Paraplegia or Quadriplegia
Parkinson’s Disease
Polyarteritis (periarteritis nodosa)
Psoriatic Arthritis
Raynaud’s Disease
Rheumatoid Arthritis
Schizophrenia
Stroke (CVA)
Suicide Attempt
Tetralogy of Fallot
Ulcerative Colitis
Use the "Request-a-Quote" Form below to request a free, no-obligation quote within 24 hours. We are licensed in North & South Carolina!
Request-a-Quote
(please include the names and ages of everyone to be insured)