Before subsidies, the benchmark silver plan for a 40-year-old in Durham County cost about $610 a month for 2026, and the North Carolina average for 2027 is $660 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Durham County for 2026. Keep reading for what's sold in Durham County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Durham
Licensed agents can compare plans available in Durham County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Durham, NC
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $660/mo before subsidies |
| Durham County benchmark (2026) | $610/mo |
| Plans offered in Durham County (2026) | 31 |
| Plan types | HMO, EPO |
| Marketplace insurers in North Carolina (2027) | 5 |
| Medicaid expansion | Yes |
| Short-term plans | Sold with state limits (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
How to get ready
- Check that the agent's license is active with the state regulator.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Write down the enrollment deadline and confirm your first premium payment.
Free enrollment help in North Carolina
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Where can I buy health insurance in Durham?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in Durham?
Before subsidies, the benchmark silver plan for a 40-year-old in Durham County cost about $610 a month for 2026, and the North Carolina average for 2027 is $660 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Durham County for 2026. A licensed agent can quote your exact price.
Which insurers sell marketplace plans in North Carolina?
For 2027, marketplace plans in North Carolina come from 5 insurers: Blue Cross and Blue Shield of North Carolina, Ambetter (Centene), AmeriHealth Caritas, Oscar Health and UnitedHealthcare. Not every insurer sells in every county.
Health insurance in nearby cities
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