contact us | forms | faq | en espanol  
You are Insurable.
If you are a North Carolina resident who is without health insurance coverage due to a pre-existing medical condition, you are insurable. Inclusive Health is the option for people who must buy their own health insurance but cannot obtain health coverage due to a medical condition. If you have applied to other insurance companies and have been turned down, offered a high rate or offered a rider excluding your condition, Inclusive Health may be the solution for you.

See what our members say:

BONITAFuquay-Varina, NC
My name is Bonita. I’m from Fuquay-Varina, North Carolina. I’m a type II diabetic. I’ve never had cancer. Never had a stroke. But I was still unable to obtain just a regular policy with the other companies after my COBRA coverage ran out. I had to obtain insurance elsewhere and because of preexisting conditions that I had.

I’m just glad that I found out about Inclusive Health. It’s important for others to know about Inclusive Health no matter what preexisting conditions that they have, they’re accepted and taken care of. It gives me a sense of security to know that I do have an option. There are a couple of options, there’s the federal option and the state option.

» View what Bonita has to say
» Find out which option is right for you.






GEORGEReidsville, NC
Hey, I’m George.I have a liver condition that is treatable and was first diagnosed with it about five years ago. I lost the group insurance when I was laid off and I was on COBRA.But I had to have insurance and it was really taking a real dent out of my business budget and I was actually at the point where I was gonna have to seek employment with a company at my age to try to get major medical. We were looking at $2200.00 a month just on my insurance. An agent told me about Inclusive Health and that’s what brought me to them. Inclusive Health’s application process was very simple. And when I joined Inclusive Health, my premiums were actually cut in third. And the service was better Inclusive Health gave me a great feeling of security and helped me plan my future again.

» View what George has to say
» Find out which option is right for you.





JANETGreensboro, NC
My name is Janet and I live in Greensboro, North Carolina. In 2007, I was diagnosed with multiple myeloma which is cancer of the bone marrow. It is a disease that is considered terminal although treatable. I was 60 years old. I decided that I didn’t want to, you know, spend my final whatever years working and thought, is there any way I can retire? And the only thing that was hanging up was my health insurance. I called around and I did talk to one company that said that for $2600.00 a month that they could insure me. I was in a panic about how in the world am I gonna figure this out? I found Inclusive Health. It’s really important for people to know about Inclusive Health because it’s such a fabulous option for people who don’t have options and a lot of people who have preexisting conditions or diseases that are not insurable, they need to know that there’s something out there. There is, in fact, an insurance that will insure you and insure you well and affordable. Health insurance is a problem in many people’s lives and to not have that concern, you know, even for this period of time, is wonderful. You are insurable.

» View what Janet has to say
» Find out which option is right for you.


North Carolina Health Insurance Risk Pool, Inc.
Home :: Links & Resources :: En Espanol :: Contact Us :: Doctors/Providers :: Agents/Brokers :: Applicants :: Members :: About Us     © 2010 Inclusive Health - Federal Option. All Rights Reserved.