Here in North Carolina, there is now a plan designed for those that do not have access to employer health benefits and face higher premiums due to a pre-existing medical condition. 

 In order to be eligible for coverage through Inclusive Health, all of the following must apply:

• I am NOT eligible for Medicare
• I am NOT eligible for Medicaid
• I am a legal resident of the US.
• I am a legal resident of the US and currently reside in NC.  I have been a continuous resident of NC for at least 30 days.
• I do not have access to group coverage as an employee or as a dependent of an employee.

In addition to the above, one of the following must apply:

• I have been rejected or refused by an insurer for similar coverage due to medical reasons.
• I have been offered coverage by an insurer but with a conditional rider limiting coverage.
• I have been refused coverage except at a higher premium rate than that offered through Inclusive Health.
• I currently have similar health insurance coverage but at a single rate higher than that offered through Inclusive Health.
• I have been diagnosed with a medical condition that is outlined by Inclusive Health allowing automatic enrollment into Inclusive Health.
• I am a federally defined HIPPA eligible individual.
• I am eligible for the Health Coverage Tax Credit under the Trade Adjustment Assistance Act (TAA), Alternate Trade Adjustment Assistance (ATAA) or the Pension Benefit Guaranty Corporation (PBGC).