Before subsidies, the average benchmark silver plan for a 40-year-old in North Carolina costs $660 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists top-rated local agencies across North Carolina by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in North Carolina
People in North Carolina buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. North Carolina Medicaid covers adults with income up to 138% of the poverty level. 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. Short-term health plans are sold with state limits on how long they can last (up to 3 months initially). They are not ACA-compliant coverage.
Agent licensing in North Carolina
- The North Carolina Department of Insurance licenses insurance producers and regulates health insurers in the state. Consumers can request assistance or file a complaint with the department online, including on health insurance issues. Source
- The North Carolina Department of Insurance points to the free NAIC lookup for checking an individual producer's National Producer Number and license status. Source
- North Carolina law lists Accident and Health or Sickness as the producer line of authority for health coverage, with Medicare supplement and long-term care available as an add-on to it. Source
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.
Licensed agents can quote plans from multiple North Carolina carriers in one call.
Call 866-645-8540Health insurance by city in North Carolina
- Aberdeen
- Albemarle
- Angier
- Apex
- Archdale
- Archer Lodge
- Asheboro
- Asheville
- Ayden
- Belmont
- Bessemer City
- Black Mountain
- Boiling Spring Lakes
- Boone
- Brevard
- Burlington
- Butner
- Carolina Beach
- Carrboro
- Cary
- Chapel Hill
- Charlotte
- Cherryville
- Clayton
- Clemmons
- Clinton
- Concord
- Conover
- Cornelius
- Cullowhee
- Davidson
- Dunn
- Durham
- East Flat Rock
- Eden
- Elizabeth City
- Elkin
- Elon
- Erwin
- Etowah
- Fayetteville
- Fletcher
- Forest City
- Franklin
- Fuquay-Varina
- Garner
- Gastonia
- Gibsonville
- Goldsboro
- Graham
- Greensboro
- Greenville
- Half Moon
- Hamlet
- Hampstead
- Harrisburg
- Havelock
- Henderson
- Hendersonville
- Hickory
- High Point
- Hillsborough
- Holly Springs
- Hope Mills
- Huntersville
- Indian Trail
- Jacksonville
- James City
- Kannapolis
- Kernersville
- Kill Devil Hills
- King
- Kings Grant
- Kings Mountain
- Kinston
- Knightdale
- Lake Norman of Catawba
- Laurinburg
- Leland
- Lenoir
- Lewisville
- Lexington
- Lincolnton
- Lumberton
- Manteo
- Marion
- Marvin
- Matthews
- Mebane
- Mills River
- Mint Hill
- Mocksville
- Monroe
- Mooresville
- Morehead City
- Morganton
- Morrisville
- Mount Airy
- Mount Holly
- Mount Olive
- Murraysville
- Myrtle Grove
- Nashville
- New Bern
- Newton
- North Wilkesboro
- Oak Island
- Oak Ridge
- Ogden
- Oxford
- Pembroke
- Pinehurst
- Pineville
- Piney Green
- Porters Neck
- Raleigh
- Reidsville
- Roanoke Rapids
- Rockingham
- Rocky Mount
- Rolesville
- Roxboro
- Salisbury
- Sanford
- Sawmills
- Selma
- Shelby
- Siler City
- Silver Lake
- Smithfield
- Southern Pines
- Spring Lake
- St. James
- St. Stephens
- Stallings
- Statesville
- Stokesdale
- Summerfield
- Swansboro
- Tabor City
- Tarboro
- Taylorsville
- Thomasville
- Trinity
- Unionville
- Wadesboro
- Wake Forest
- Walkertown
- Washington
- Waxhaw
- Waynesville
- Weddington
- Wendell
- Wesley Chapel
- Whiteville
- Williamston
- Wilmington
- Wilson
- Winston-Salem
- Winterville
- Woodfin
- Zebulon