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Be wary of those ACA health plans that don’t charge a monthly premium

Every county in North Carolina will have at least one health insurance plan in 2018 that doesn’t charge a monthly premium for people at the lowest income bracket eligible for ACA subsidies. Four Triangle counties – Wake, Johnston, Chatham and Orange – have four such plans sold by Cigna and by Blue Cross and Blue Shield. But these “free” plans typically have hefty deductibles and steep out-of-pocket costs, making them unaffordable for low-income people.

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Lisa Shank was denied coverage by her insurance company for treatment of a rare disease. State agency Smart NC helped her get the treatments she needed.
Chris Seward cseward@newsobserver.com
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