Health Insurance in North Carolina

Health insurance in North Carolina is available through HealthCare.gov, the federal marketplace, along with health sharing, short-term plans, Medicare, and supplemental coverage. About 10.4% of North Carolina's roughly 10.8 million residents are uninsured. North Carolina expanded Medicaid, so low-income adults may qualify for free or low-cost coverage. Prices and plan choice vary across the state's 100 counties, so where you live matters. Use the guides below to find the right lane for your situation.

Marketplace: HealthCare.gov·Medicaid expansion: Adopted·Uninsured rate: ~10.4%·Counties: 100·Population: ~10.8M

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Frequently asked questions

Where do I buy health insurance in North Carolina?
North Carolina residents enroll through HealthCare.gov (HealthCare.gov). You can also buy off-Marketplace plans, health sharing, or supplemental coverage directly.
Is Medicaid available in North Carolina?
Yes. Because North Carolina expanded Medicaid, adults under a certain income may qualify regardless of family status. Eligibility is based on income and household size.
How much does health insurance cost in North Carolina?
It depends on your age, county, plan tier, and — most importantly — whether you qualify for a subsidy. Many North Carolina enrollees pay well under $100/month after ACA premium tax credits. Use our calculators to estimate your cost.

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