ACA health insurance in North Carolina
ACA health insurance in Charlotte, NC: open enrollment for 2027
Open enrollment for 2027 begins November 1. Where Charlotte residents shop for a plan, what the county and state lines mean for you, and how to get help choosing.
Get help choosing a plan in Charlotte
Call 855-367-1095. A licensed agent will go through your household, your income and your doctors with you.
Health insurance in Charlotte
North Carolina uses the federal HealthCare.gov marketplace, so Charlotte residents shop there.
Because the Charlotte area crosses into South Carolina, the state you live in decides which plans you can buy, even if you work across the line.
Charlotte is in Mecklenburg County, North Carolina. Where you live decides which plans and prices you can get, because plan availability is set by county and ZIP code.
North Carolina has expanded Medicaid, so some lower-income adults may qualify for Medicaid instead of Marketplace savings.
County and state lines near Charlotte
Mecklenburg County is next to Cabarrus, Union and Gaston counties, and the metro area reaches into York County, South Carolina. South Carolina and North Carolina are different states, with different marketplaces and different plan availability.
Check the networks
Marketplace plans have their own networks, and they differ from one plan to the next. These are among the largest systems serving the area. Naming them here is not a statement that any plan includes them.
- Atrium Health
- Novant Health
The dates
Open enrollment for 2027 coverage begins November 1, 2026. Plans and prices for 2027 can differ from this year, and after open enrollment you can usually enroll only with a qualifying life event.
ACA questions in Charlotte
Where do I shop for an ACA plan in Charlotte?
North Carolina uses the federal HealthCare.gov marketplace, so Charlotte residents shop there.
Do county or state lines near Charlotte change my options?
Mecklenburg County is next to Cabarrus, Union and Gaston counties, and the metro area reaches into York County, South Carolina. South Carolina and North Carolina are different states, with different marketplaces and different plan availability.
I live in South Carolina but work in Charlotte. Where do I shop?
Where you live decides the marketplace. If your home is in South Carolina, you shop for South Carolina plans, even if your job is in North Carolina.
More for Charlotte
Ready to look at your options?
Call 855-367-1095 before open enrollment gets busy. There is no charge to review your options.
- 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.