Health Insurance Plans in North Carolina
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to North Carolina residents. Get a free quote from a licensed advisor today.
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North Carolina Health Insurance at a Glance
Here's what you need to know about health coverage options in North Carolina.
North Carolina has emerged as a major healthcare hub in the Southeast, with growing marketplace enrollment. The state has expanded Medicaid, providing coverage to more low-income residents. With strong carrier competition and a mix of metro and rural areas, your insurance options vary significantly by county.
Check Plans in Your ZIP Code
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Get My Personalized Quote →ACA Marketplace Plans in North Carolina
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the North Carolina Marketplace Works
North Carolina residents enroll through Federal (HealthCare.gov). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in North Carolina
These insurance companies offer ACA marketplace plans in North Carolina:
- Blue Cross Blue Shield of NC
- Ambetter
- AmeriHealth Caritas
- Cigna Healthcare
- Oscar Health
- UnitedHealthcare
Carrier availability varies by county. A licensed advisor can tell you exactly which plans are available in your ZIP code.
Medicaid in North Carolina
North Carolina has expanded Medicaid under the ACA.
This means low-income adults earning up to 138% of the Federal Poverty Level can qualify for Medicaid coverage. If you earn too much for Medicaid but not enough to afford marketplace plans, ACA subsidies may help bridge the gap.
Check Your Eligibility →Short-Term Health Insurance in North Carolina
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in North Carolina
- Maximum duration: 12 months, renewable up to 36 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in North Carolina?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Ancillary Plans in North Carolina
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →North Carolina Health Insurance Questions
North Carolina Insurance Resources
North Carolina Department of Insurance
File complaints, verify licenses, and learn about your rights as a consumer.
North Carolina Marketplace
Enroll in ACA plans through Federal (HealthCare.gov).
Health Insurance by City in North Carolina
Find health insurance information specific to your city in North Carolina.
Charlotte
Mecklenburg County · Pop. 874,579
Raleigh
Wake County · Pop. 467,665
Durham
Durham County · Pop. 283,506
Greensboro
Guilford County · Pop. 299,035
Winston-Salem
Forsyth County · Pop. 249,545
Charlotte
Mecklenburg County · Pop. 885,708
Raleigh
Wake County · Pop. 474,069
Greensboro
Guilford County · Pop. 296,710
Durham
Durham County · Pop. 283,506
Winston-Salem
Forsyth County · Pop. 249,545
Fayetteville
Cumberland County · Pop. 208,501
Cary
Wake County · Pop. 168,582
Wilmington
New Hanover County · Pop. 123,744
High Point
Guilford County · Pop. 104,371
Greenville
Pitt County · Pop. 90,005
Asheville
Buncombe County · Pop. 94,589
Boone
Watauga County · Pop. 19,433
Chapel Hill
Orange County · Pop. 60,273
Concord
Cabarrus County · Pop. 96,341
Gastonia
Gaston County · Pop. 77,250
Rockingham
Richmond County · Pop. 9,049
Kannapolis
Cabarrus County · Pop. 51,564
Apex
Wake County · Pop. 54,124
Jacksonville
Onslow County · Pop. 71,455
Goldsboro
Wayne County · Pop. 36,273
Health Insurance by County in North Carolina
Find health insurance information for your county in North Carolina.
Mecklenburg County
County Seat: Charlotte · Pop. 1,115,357
Wake County
County Seat: Raleigh · Pop. 1,305,925
Guilford County
County Seat: Greensboro · Pop. 530,340
Durham County
County Seat: Durham · Pop. 330,126
Forsyth County
County Seat: Winston-Salem · Pop. 390,975
Cumberland County
County Seat: Fayetteville · Pop. 329,013
New Hanover County
County Seat: Wilmington · Pop. 230,769
Pitt County
County Seat: Greenville · Pop. 180,675
Buncombe County
County Seat: Asheville · Pop. 264,089
Watauga County
County Seat: Boone · Pop. 54,112
Orange County
County Seat: Hillsborough · Pop. 146,639
Cabarrus County
County Seat: Concord · Pop. 227,430
Gaston County
County Seat: Gastonia · Pop. 228,318
Richmond County
County Seat: Rockingham · Pop. 45,395
Onslow County
County Seat: Jacksonville · Pop. 190,365
Wayne County
County Seat: Goldsboro · Pop. 112,522
Rowan County
County Seat: Salisbury · Pop. 141,885
Randolph County
County Seat: Asheboro · Pop. 142,602
Davidson County
County Seat: Lexington · Pop. 162,878
Catawba County
County Seat: Newton · Pop. 157,315