你只能说你自己北卡的问题吧？见保费和保险

Medical malpractice limit: 

https://www.millerandzois.com/malpractice-damage-caps.html

North Carolina

$545,144 as of 2018 $500,000 set in 2011, adjusted for inflation starting in 2014

https://howmuch.net/articles/average-cost-of-health-insurance-by-state

$521, most expensive from PA to GA on East Coast. 

Compare to cheaper rate in GA (no limit), SC (limit is 350K each, $1 mil total) VA ($2.3 mil total)