North Carolina health insurance enrollment is simple. Visit www.healthcare.gov, the federally run Affordable Care Act-compliant marketplace, to find available coverage options in your area and review pricing.
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How to Buy Health Insurance in North Carolina
You can obtain health insurance in North Carolina through the federal marketplace if you don’t have coverage through your employer. Plans come in Bronze, Silver, and Gold tiers.
How to Apply for Health Insurance in North Carolina
Residents of North Carolina can browse available plans in their region and begin the application process by going to healthcare.gov, the federal exchange marketplace. Enter your information to see coverage options that are tailored to you.
Health Insurance Carriers In North Carolina
North Carolina has six health insurance companies offering coverage on the federal marketplace:
- Blue Cross Blue Shield of North Caroline
- Cigna
- Ambetter
- Oscar
- United Healthcare
- Bright
North Carolina Health Insurance Costs Overview
In North Carolina, health insurance is divided into three metal tiers: Bronze, Silver, and Gold. Bronze plans have high deductibles and limited services, whereas Gold and Silver plans have higher premiums but more comprehensive coverage.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in North Carolina?
According to KFF, the average 2025 benchmark premium in North Carolina is $507 per month.
What is the Cheapest Health Insurance Plan in North Carolina?
The average cost for North Carolina’s lowest-cost Bronze tier premium for 2024 is $369 making it the cheapest tier.
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Cheapest North Carolina Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Below you’ll find the average cost of coverage under each metal tier, according to healthcare.gov. In this example, price estimates are for a 40-year-old male in good health.
Gold Plans
The average lowest cost premium of a Gold Plan in New York in 2025 was $524.
Silver Plans
The average lowest cost premium of a Silver Plan in New York in 2025 was $502.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $387.
North Carolina Health Insurance Costs by Number of Participants
Health insurance costs in North Carolina vary depending on your household’s size and annual income.
What is the Average Cost of Health Insurance for Families in North Carolina?
The minimum monthly premium for Bronze tier health insurance in North Carolina is around $1,200 for a non-smoking couple with two children earning $75,000 a year. A tax credit or rebate covering the entire cost of Bronze tier coverage would be available to a household with this income. There may also be the possibility of opening a Health Savings Account.
What is the Average Cost of Health Insurance for Individuals in North Carolina?
For individuals, the benchmark premium for coverage in North Carolina across all health insurance tiers is $495.
Other Types of North Carolina Health Insurance Coverage
Catastrophic Health Insurance in North Carolina
Catastrophic Health Insurance in North Carolina may be available to anyone under 30 or those who qualify for a hardship exemption. These plans usually have large deductibles and coverage is typically limited for worst-case scenario protection.
Short Term Health Insurance in North Carolina
North Carolina residents can purchase Short-Term Health Insurance for up to 364 days and renew coverage for a total of 36 months. North Carolina has nine insurers offering Short-Term coverage:
- AdvantHealth
- Aspen
- Companion Life
- Everest Prime
- Independence American Insurance Company
- National General
- Pan-American Life Insurance Company
- United Healthcare
- United States Fire Insurance Company
Low Income Health Insurance in North Carolina
Low-income residents in North Carolina can apply for Medicaid through the NC Medicaid Division of Health Benefits.
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