NerdWallet
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Best Health Insurance Plans in North Carolina 2025-2026 - NerdWallet
Ambetter and Blue Cross and Blue Shield of North Carolina get top marks and offer affordable health insurance in North Carolina.
Can you get free health insurance in North Carolina?
Yes, North Carolina residents can access free health insurance through Medicaid if they meet income requirements. Many others qualify for premium subsidies through the federal marketplace that reduce monthly costs or eliminate them entirely, making coverage affordable for middle-income families.
moneygeek.com
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Best Health Insurance in North Carolina (2026)
Is health insurance required in North Carolina?
North Carolina does not require residents to have health insurance. The state has no mandate or penalty for being uninsured. However, residents can still access federal subsidies through the health insurance marketplace to make coverage more affordable if they qualify based on income.
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Best Health Insurance in North Carolina (2026)
How do I get marketplace health insurance in NC?
In North Carolina, you can get marketplace medical insurance through HealthCare.gov. You can buy a plan during open enrollment, from Nov. 1 through Jan. 15. Or you can sign up midyear if you qualify for special circumstances. The best cheap option is usually a Silver plan, which gives you good coverage at a low rate.
valuepenguin.com
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Best Cheap Health Insurance in North Carolina for 2026 - ValuePenguin
UnitedHealthcare
uhc.com › home › individual & family insurance
North Carolina health insurance plans | UnitedHealthcare
See Individual & Family ACA plans in North Carolina · Health ProtectorGuard fixed indemnity insurance,4 underwritten by Golden Rule Insurance Company, can ease cost concerns by paying set benefits for covered medical services, like doctor visits, prescriptions and more.
Blue Cross NC
bluecrossnc.com
North Carolina Health Insurance Plans | Blue Cross NC
Blue Cross NC makes health insurance easy. Discover employer, individual, family, Medicare & Medicaid plans from Blue Cross NC. Better care starts here.
MoneyGeek
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Best Health Insurance in North Carolina (2026)
1 week ago - Ambetter is the best health insurance in North Carolina, with Silver-tier HMO plans averaging $640 monthly. AmeriHealth, Cigna, Oscar and Blue Cross Blue Shield also rank among the top five providers in the state. *Our picks reflect the best companies for 40-year-olds seeking Silver-tier HMO plans.
Cigna Healthcare
cigna.com › home › individuals & families › shop for plans › health insurance plans for individuals and families › north carolina health insurance plans and coverage
North Carolina Health Insurance Plans and Coverage | Cigna Healthcare
Let us help you get to your healthiest with a Cigna Healthcare Individual and Family plan. ... The amount you pay monthly for your coverage (also called your premium) will vary depending on where you live, the size of your household, your income, and other factors.
Ncmedicaidplans
ncmedicaidplans.gov › en › viewhealthplans
Compare health plans | NC Medicaid Managed Care
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NC DOI
ncdoi.gov › shopping-health-insurance
Shopping for Health Insurance | NC DOI
A Navigator/Assister is an individual ... required to be unbiased and their services are free to consumers. Legal Aid of North Carolina leads the NC Navigators Consortium....
Blue Cross NC
bluecrossnc.com › shop-plans › health
Buy health insurance for individuals and families | Shop plans | Blue Cross NC
Blue Local with Atrium Health, Blue Home with Novant Health and Blue Home with UNC Health Alliance are health insurance plans offered by Blue Cross NC that provide access to limited networks of providers. Atrium Health, Novant Health and UNC Health are independent companies that are solely ...
eHealth
ehealthinsurance.com › north-carolina-health-insurance
North Carolina Health Insurance - eHealth Insurance Employment and Individual Solutions
North Carolina uses the federally facilitated health insurance marketplace, HealthCare.gov to enroll in North Carolina health insurance plans, compare plans, and determine subsidy and cost-share reduction eligibility. The North Carolina Department of Insurance reviews the rates proposed by insurers who want to sell North Carolina medical insurance through the federal marketplace. When can I enroll in an ACA-compliant plan in North Carolina? You can enroll in individual or family health insurance in North Carolina during the open enrollment period, which runs from November 1 to January 15.
eHealth
ehealthinsurance.com › north-carolina-health-insurance › health-plans › individual-medical
North Carolina Individual & Family Health Plans | eHealth
eHealthInsurance works with North Carolina insurance providers that offer health insurance for individuals and families. Compare North Carolina individual and family health plans from various providers and select the plan best suited for your health care needs.
HealthInsurance.org
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North Carolina Health Insurance Plans: Find Coverage for Your Needs
December 2, 2025 - Medicaid is a joint federal and state public health insurance program that provides coverage for low-income families and individuals. It covers a broad range of health care services, which varies by state.1 · Learn about Medicaid in North Carolina Learn about Medicaid in North Carolina · Our ACA subsidy calculator estimates your premium subsidy based on your income, age and household size. A short list of strategies for comparing your coverage options. ... Get a quote from a licensed agency and see plans available in NC. Accident insurance can supplement your major medical coverage by paying cash benefits that can be used for a variety of expenses you may incur due to an accident or injury that’s covered by the plan.1
Aetna
ambetterhealth.com › en › nc › health-plans
North Carolina Health Insurance Plans | Ambetter of North Carolina
An asthma or chronic obstructive pulmonary disease (COPD) diagnosis comes with complex care needs and additional stress when it comes to finding the right health insurance. That’s where we come in. We offer Premier Silver plans tailored for individuals with asthma or COPD.
NC DOI
ncdoi.gov › consumers › health-insurance › individual-major-medical-health-insurance
Individual Major Medical Health Insurance | NC DOI
You can only purchase a major medical/comprehensive health plan outside of open enrollment if you experience certain life status changes such as, losing coverage from an employer, moving, getting married, or having a baby. This event is called a Special Enrollment Period (SEP). If you do not experience a life status change, you must wait for the next open enrollment. Metal levels are a way to make "apples-to-apples" plan comparisons on Individual insurance coverage.
Ahix
ahix.com › states › north-carolina-health-insurance
North Carolina Health Insurance | Best Plans for 2026
Ahix
Find North Carolina health insurance plans with free quotes from AHiX Marketplace. Affordable, comprehensive coverage tailored for NC residents. Ahix gave me confidence that we found the most cheapest health plan for our business. Call Ahix, they make it simple.
Ncqa
healthinsuranceratings.ncqa.org › 2019 › search › Commercial › NC
North Carolina Private Health Insurance Plan Ratings – NCQA
Find North Carolina private health insurance ratings with NCQA. Ratings help you find the best private health insurance in North Carolina for you.
Northcarolinahealth
northcarolinahealth.org › individual › individual-plans
Individual Health Care Plans | North Carolina | Osborne Insurance
We'll reach out to you to schedule a free insurance review & consultation. "My service with Michael Osborne has been the best and always delivers results 100%. They know their job and are customer oriented. I love the team and would not hesitate to recommend their services to them. Keep up the good work." July 23, 2015 - Emily C. "Absolutely outstanding, so responsive at all times to any questions! They make navigating the health system their job, not mine!"
Call 919.845.9955
Address 4928 Windy Hill Dr., Suite A, 27609, Raleigh
Aetna
ambetterhealth.com › en › nc
Affordable Health Insurance in North Carolina | Ambetter of North Carolina
Ambetter of North Carolina health insurance offers affordable coverage to fit your needs and budget. Find a Marketplace plan and apply online today.
MoneyGeek
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Cheapest Health Insurance in North Carolina: Affordable Plans for 2026
1 week ago - Compare at least three insurers during Open Enrollment to find affordable coverage. Spending 30 minutes comparing plans can save you hundreds annually. Ambetter provides the cheapest health insurance policies with an average monthly premium of $671. Availability varies by county, but Ambetter ...