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 2023 data is not yet available, we have used statistics from 2022 to reflect costs so you can have an idea of what to expect. Current data shows that 2023 premiums will rise by 4 percent for a 27-year-old for a silver benchmark marketplace plan sold through HealthCare.gov.
How Much Does Health Insurance Cost in North Carolina?
According to KFF, the average 2022 benchmark premium in North Carolina is $504 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 2022 is $343, making it the cheapest tier.
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Cheapest North Carolina Health Insurance Coverage by Metal Tier
As 2023 data is not yet available, we have used statistics from 2022 to reflect costs so you can have an idea of what to expect. Current data shows that 2023 premiums will rise by 4 percent for a 27-year-old for a silver benchmark marketplace plan sold through HealthCare.gov.
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 Blue Cross Blue Shield of North Carolina’s Blue Advantage Gold 2500 limited network plan is the most affordable Gold-tier coverage at $491 monthly.
Silver Plans
The Blue Cross Blue Shield of North Carolina’s Blue Value Silver 6300 plan is the most affordable Silver-tier coverage with monthly premiums of $496.
Bronze Plans
The Blue Cross Blue Shield of North Carolina’s Blue Value Bronze plan is the most affordable Bronze tier protection with $342 monthly premiums.
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 $504.
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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