Health Insurance Plans in Wake County, North Carolina
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to residents of Wake County. County seat: Raleigh. Get a free quote from a licensed advisor.
Find Wake County Health Plans
Compare plans in Wake County · Free · No obligation
Health Insurance in Wake County at a Glance
Key coverage details for Wake County, North Carolina.
ZIP Codes in Wake County
We cover health insurance information for these Wake County ZIP codes:
ACA Marketplace Plans in Wake County
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Marketplace Works in Wake County
Residents of Wake County 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 Wake County
These insurance companies offer ACA marketplace plans in Wake County:
- Blue Cross Blue Shield of NC
- Ambetter
- AmeriHealth Caritas
- Cigna Healthcare
- Oscar Health
- UnitedHealthcare
Carrier availability varies by city and ZIP code. A licensed advisor can tell you exactly which plans are available in your area.
Medicaid in Wake County
North Carolina has expanded Medicaid under the ACA.
Residents of Wake County may qualify for Medicaid if they meet income requirements. North Carolina expanded Medicaid under the ACA, providing coverage to adults with incomes up to 138% of the Federal Poverty Level.
Check Your Eligibility →Short-Term Health Insurance in Wake County
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 in Wake County who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Wake County?
- 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
Major Hospitals in Wake County
Access quality healthcare at these facilities in the county.
Duke Raleigh
Wake County, NC
Cities in Wake County County
Find health insurance information specific to your city in the county.
Ancillary Plans in Wake County
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 →