Health Insurance Plans in North Carolina
Browse ACA Marketplace plans available to North Carolina residents on the federal exchange. 44 plans available for 2026. Starting from $396/month.
Lowest Monthly Premium
$396/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$485/mo
17 plans available
Avg Silver (Benchmark)
$634/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Raleigh, NC
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$485/mo avg
from $396 – $641
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$634/mo avg
from $519 – $788
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$676/mo avg
from $544 – $945
Lowest-Premium Plans Available
Sample plans near Raleigh — enter your ZIP for exact results
Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance
Blue Cross and Blue Shield of NC
$396/mo
Ded: $7,000
Blue Home Bronze Standard | with UNC Health Alliance
Blue Cross and Blue Shield of NC
$412/mo
Ded: $7,500
Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance
Blue Cross and Blue Shield of NC
$417/mo
Ded: $4,000
Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance
Blue Cross and Blue Shield of NC
$428/mo
Ded: $8,500
Everyday Bronze
Ambetter of North Carolina
$433/mo
Ded: $8,450
Standard Expanded Bronze
Ambetter of North Carolina
$435/mo
Ded: $7,500
Everyday Bronze + Vision + Adult Dental
Ambetter of North Carolina
$447/mo
Ded: $8,450
Standard Expanded Bronze + Vision + Adult Dental
Ambetter of North Carolina
$449/mo
Ded: $7,500
UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals
UnitedHealthcare
$454/mo
Ded: $10,600
UHC Bronze Standard (No Referrals)
UnitedHealthcare
$480/mo
Ded: $7,500
Prices shown are for a 30-year-old near Raleigh without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in North Carolina?
Approximately 44 ACA Marketplace plans are available in North Carolina for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in North Carolina?
For a 30-year-old without subsidies, the cheapest plan near Raleigh starts at about $396/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does North Carolina use HealthCare.gov?
Yes — North Carolina is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in North Carolina averages $634/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in North Carolina
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.
More North Carolina guides
Best plans in North Carolina Cheapest plans in North Carolina HSA-eligible plans in North Carolina