ACA Health Insurance > Break Down > Health Insurance in North Carolina
Health Insurance North Carolina | Your Friendly Guide to Affordable Coverage
From Charlotte to Asheville—We’ve Got North Carolina Covered.
Hey there, North Carolina neighbor! Need health insurance in North Carolina? Whether it’s your first time enrolling or you’re hunting for a better deal, we’re here to make the process simple, supportive, and stress-free.
Why Should You Buy Health Insurance in North Carolina?
Medical care can be expensive, but health insurance helps protect your budget while keeping you on top of your health with preventive care.
Why it matters in North Carolina:
Over 11% of residents under 65 are uninsured—higher than the national average.
North Carolina has high rates of diabetes, obesity, and heart disease—making preventive care crucial.
ACA plans cover annual checkups, screenings, and vaccines at no additional cost.
Whether you’re managing a chronic condition or just want peace of mind, coverage is one of the best tools to protect yourself and your family.
Types of Health Insurance Available in North Carolina
Marketplace Plans (ACA via HealthCare.gov)
North Carolina uses the federal HealthCare.gov platform, where residents can compare ACA-compliant plans and qualify for subsidies.
Short-Term Insurance
Short-term health plans offer basic coverage for temporary gaps. They aren’t ACA-compliant but may be useful between jobs or outside of open enrollment.
Medicare
For those age 65+ or with disabilities, Medicare offers coverage for inpatient, outpatient, and prescription needs—with options to add vision, dental, and more.
Medicaid (NC Medicaid)
North Carolina has expanded Medicaid, making more adults eligible for free or low-cost health coverage based on income.
Private Insurance
You can also purchase coverage directly from private insurers or get it through an employer. We’ll help you compare all your options.
Compare plans based on price and benefits with us.
Is Health Insurance Required in North Carolina?
There’s no law in North Carolina that requires you to have health insurance, and the federal tax penalty is no longer in effect. But being uninsured still carries serious risks.
Without coverage, you’re on the hook for expensive medical bills—and you’ll miss out on free preventive services offered by ACA plans.
Even if it's not mandatory, health insurance in North Carolina is still one of the smartest choices you can make to protect your health and your wallet.
How Much Does Health Insurance Cost in North Carolina?
Your premium depends on factors like age, income, family size, and location. Fortunately, many residents qualify for premium tax credits on HealthCare.gov.
Some pay $0/month after subsidies. Others secure high-quality coverage for under $75/month. Middle-income earners often qualify for savings too.
Medicare pricing varies based on your choices—Original Medicare, Medicare Advantage, or supplemental plans.
💡 Add a premium calculator to help North Carolinians estimate their monthly costs and eligibility for subsidies.
How to Pick the Right Health Plan for You
Start by asking:
How often do I go to the doctor?
What prescriptions do I take?
Do I want to keep my current provider?
What’s my monthly and yearly budget?
Some North Carolinians prefer lower premiums with higher deductibles, while others value predictable, comprehensive care.
If you’re unsure, our licensed agents are here to help break it down—so you can make the best choice for your needs.
Our Health Insurance Services in North Carolina
You don’t have to navigate health insurance alone. Our team helps you understand your options and make the right choice with confidence.
Who We Help
We assist:
Freelancers, truckers, and gig workers
Families and small business owners
Seniors exploring Medicare
Anyone tired of figuring it out alone
What We Offer
We help with:
HealthCare.gov enrollment
Private plan comparisons
Medicare and Medicaid support
Dual-eligible and special needs plans
Vision, dental, and prescription resources
And yes—we offer bilingual support in Spanish.
How to Get Started
Compare plans online.
Speak with a North Carolina agent (optional).
Enroll online or by phone.
You’re good to go.
Most Affordable Health Insurance in North Carolina
These ACA-compliant carriers offer some of the most affordable plans in the state:
Blue Cross and Blue Shield of North Carolina – A trusted statewide provider with robust networks.
Ambetter of North Carolina Inc. – Known for competitive pricing and wellness perks.
Cigna Healthcare of North Carolina – Affordable premiums with virtual care options.
We’ll help you compare coverage and pricing to find what fits your life and your budget.
Top 3 Most Uninsured Cities in North Carolina
Some parts of North Carolina face greater coverage gaps, including:
Fayetteville, NC – A high population of transitioning military and working families often leads to gaps.
Greensboro, NC – Many residents delay coverage due to cost concerns or limited awareness.
Rocky Mount, NC – Economic challenges and rural location impact enrollment rates.
Wherever you are in North Carolina, we’re here to help you find a plan that works.
Final Tip from Your Friendly Guide
Having health insurance in North Carolina isn’t just about being safe—it’s about being smart. Life is unpredictable, but your coverage doesn’t have to be.
Whether you’re ready to enroll or just exploring your options, we’ve got your back. Let’s get you covered today.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!