ACA marketplace
ACA marketplace coverage in North Carolina.
North Carolina uses the federal Healthcare.gov platform. The state expanded Medicaid in late 2023, which significantly changed subsidy and plan eligibility for lower-income residents going forward. Plan availability is strongest in the Research Triangle (Raleigh-Durham), Charlotte, and Triad regions, with thinner choice in rural counties.
39 days left to enroll for January 1, 2027 coverage.
Enroll by Dec 15 for Jan 1 coverage, or by Jan 15 for Feb 1 coverage.
About the ACA marketplace in North Carolina
North Carolina uses the federal Healthcare.gov platform.
Estimate your ACA subsidy
Enter your household size, projected income, and the ages of everyone who needs coverage. We'll estimate the monthly premium tax credit (APTC) you may qualify for.
Carriers we represent in North Carolina
- Oscar Health
- UnitedHealthcare
- AmeriHealth Caritas
Carrier availability and plan options vary by county.
Our agents who serve North Carolina
When you can enroll
- Open Enrollment Period: November 1 through January 15
- Special Enrollment Periods: triggered by qualifying life events (loss of coverage, marriage, birth, move, income change)
Request an ACA quote in North Carolina.