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ACA Health Insurance Coverage Options in North Carolina
North Carolina uses the federal HealthCare.gov Marketplace for ACA health insurance. Review coverage options and enrollment information for North Carolina residents.
The new 2027 plans become available November 1, 2026. Call 855-367-1095 now to get a sneak peek at the new plans before then, and we will have your options ready the day they open.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
North Carolina Medicaid: NC Medicaid (NC Department of Health and Human Services) · 1-888-245-0179 (NC Medicaid Contact Center) · medicaid.ncdhhs.gov
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Eligibility considerations
- No coverage available through an employer, Medicare, or Medicaid
- Interest in comparing North Carolina Marketplace plans by metal tier
- Uncertainty about premium tax credit eligibility based on household income
Plan tiers
Lower monthly premium; higher cost-sharing when care is used.
The benchmark tier for subsidy calculations; the only tier eligible for additional cost-sharing reductions.
Higher monthly premium; lower cost-sharing at the point of care.
North Carolina Medicaid and Marketplace information
- Medicaid expansion status
- Expanded (December 2023)
- North Carolina Medicaid agency
- NC Medicaid (NC Department of Health and Human Services)
- ACA Marketplace
- HealthCare.gov (federal Marketplace)
North Carolina counties: ACA open enrollment
Choose your county for the dates, Medicaid status and how to get help.
- Wake County
- Mecklenburg County
- Guilford County
- Forsyth County
- Cumberland County
- Durham County
- Buncombe County
- Union County
- Johnston County
- Cabarrus County
- New Hanover County
- Gaston County
- Onslow County
- Iredell County
- Alamance County
- Pitt County
- Davidson County
- Catawba County
- Brunswick County
- Rowan County
- Orange County
- Randolph County
- Harnett County
- Henderson County
- Wayne County
- Robeson County
- Moore County
- Craven County
- Cleveland County
- Nash County
- Lincoln County
- Rockingham County
- Burke County
- Chatham County
- Caldwell County
- Wilson County
- Franklin County
- Surry County
- Carteret County
- Pender County
- Lee County
- Wilkes County
- Stanly County
- Rutherford County
- Haywood County
- Granville County
- Sampson County
- Lenoir County
- Watauga County
- Hoke County
- Columbus County
- Duplin County
- Edgecombe County
- Halifax County
- Stokes County
- McDowell County
- Davie County
- Jackson County
- Beaufort County
- Richmond County
- Vance County
- Pasquotank County
- Person County
- Macon County
- Dare County
- Yadkin County
- Alexander County
- Scotland County
- Transylvania County
- Currituck County
- Cherokee County
- Bladen County
- Ashe County
- Montgomery County
- Caswell County
- Madison County
- Anson County
- Martin County
- Greene County
- Polk County
- Hertford County
- Yancey County
- Warren County
- Avery County
- Bertie County
- Northampton County
Common questions
How is ACA Marketplace coverage administered in North Carolina?
North Carolina uses HealthCare.gov (federal Marketplace) rather than a state-run exchange. Enrollment, plan comparison, and subsidy determinations run through the federal system.
Has North Carolina expanded Medicaid under the ACA?
Yes. North Carolina adopted Medicaid expansion, effective December 2023, extending eligibility to more low-income adults than the traditional Medicaid program covered.
Is there a cost to speak with a licensed agent?
No. Reviewing ACA Marketplace options by phone with a licensed agent has no cost. Any plan ultimately selected carries its own separate premium, determined by the plan and carrier, not by GetFastRates.com.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.