Health insurance in North Carolina
North Carolina residents shop for Marketplace coverage on HealthCare.gov, and North Carolina has expanded Medicaid. We will help you see whether a Marketplace plan or Medicaid is the better fit.
- Marketplace
- HealthCare.gov
- Plan options
- ACA & private
- Medicaid expansion
- Yes
- Our agents
- Licensed in NC
Individual & family plans in North Carolina
North Carolina uses HealthCare.gov, the federal Health Insurance Marketplace. Every Marketplace plan covers essential health benefits like doctor visits, hospital care, prescriptions, maternity care and mental health services, and no one can be turned down because of a pre-existing condition.
Prices depend on your age, your county, whether you use tobacco, and the plan level you choose. Many North Carolina families qualify for a premium tax credit that lowers their monthly payment, and households with modest incomes can get extra savings on Silver plans.
North Carolina has expanded Medicaid. If your income is low, Medicaid may be a better fit than a paid plan, and we'll tell you if that's the case.
Small business health insurance in North Carolina
We help North Carolina business owners and their employees each get their own individual health coverage, ACA or private, matched to each person's situation and budget. There are no group participation rules, and many employees qualify for income-based savings.
Dental, vision and supplemental coverage
Round out your coverage with dental, vision, accident, critical illness or telehealth plans, whichNorth Carolina residents can usually buy any time of year. See supplemental options.
Areas we serve in North Carolina
Our licensed agents help people statewide, including in Charlotte, Raleigh, Greensboro, Durham, Winston-Salem and Wilmington. Everything can be done by text, phone and online, so it doesn't matter where in North Carolina you live.
Page last reviewed November 2026.
North Carolina health insurance FAQs
How do I sign up for health insurance in North Carolina?
North Carolina residents enroll in Marketplace plans through HealthCare.gov, the federal marketplace. You can apply yourself or have a licensed agent like us help you compare plans and complete the application at no extra cost.
Can I get help paying for health insurance in North Carolina?
Many North Carolina households qualify for a premium tax credit that lowers the monthly cost of a Marketplace plan, based on income and household size. North Carolina has expanded Medicaid, so adults with lower incomes may qualify for Medicaid instead.
Do you offer private health insurance in North Carolina?
Yes. Along with ACA Marketplace plans, we offer private health insurance options in North Carolina. We compare both and recommend the most affordable fit for your situation.
Do you help small businesses in North Carolina?
Yes. We help North Carolina business owners and their employees each get their own individual coverage, ACA or private, plus dental, vision and other add-ons.
Compare North Carolina health plans in about a minute.
Answer a few quick questions and a licensed agent will text you with options. No cost, no obligation.