Residents of Stem, North Carolina have the option of enrolling in any one of 15 affordable Individual health plans available to them. You can choose from 2 Individual insurance carriers operating in Stem. The companies that offer the widest variety of plans are Ambetter and Blue Cross Blue Shield of North Carolina. Stem offers 2 Bronze plans, 7 Silver plans, 2 Gold plans and 1 for consumers to choose.
If you want to see a doctor outside of your network, you can select from the 7 Individual plans that participate in Preferred Provider Organization(PPO). You can enroll in one of the 8 Health Maintenance Organization(HMO) plan if you want if lower costs are most important and you don't mind using a Primary Care Physician (PCP). The lowest deductible Individual health plan is the Ambetter Balanced Care 14 (2020) plan from Ambetter, at a $514.29 monthly cost to you.
Premium tax credit can lower the cost of Health plans for eligible individuls and families which is helpful to those on a fixed income. The carrier with the largest selection of Individual plans in Stem, North Carolina is Ambetter, which offers 8 plans with Health Maintenance Organization(HMO) network and 7 Preferred Provider Organization(PPO) network plans.