North Carolina landscape
North Carolina state flag
North Carolina (NC)|Medicaid Expanded

North Carolina Health Insurance

Compare ACA, dental, vision, and group health plans from top carriers — designed for North Carolina families and businesses.

10.8 million
Population
8.8%
Uninsured Rate
590,000
Marketplace Enrollees

Health Insurance in North Carolina

North Carolina residents have access to ACA marketplace plans, standalone dental and vision coverage, and group health insurance for businesses. Whether you're an individual looking for subsidized coverage or a business owner exploring group plans, our licensed North Carolina agents can help you compare options and find the right fit.

  • North Carolina expanded Medicaid in December 2023, covering adults up to 138% FPL
  • Open enrollment runs November 1 through January 15 each year
  • Premium subsidies available for households earning 100% to 400% of the Federal Poverty Level
  • North Carolina uses the federal marketplace (HealthCare.gov) for ACA plan enrollment
  • North Carolina small businesses with fewer than 25 employees may qualify for tax credits up to 50% of premium contributions
  • SHOP marketplace plans available for North Carolina employers with 1 to 50 employees

Key Carriers in North Carolina

UnitedHealthcareAmbetterBlue Cross Blue Shield of North CarolinaAetnaCigna

Counties We Serve

Wake, Mecklenburg, Guilford, Forsyth, Cumberland, Durham, Buncombe, Union, and 12 more

Medicaid: Expanded (up to 138% FPL)
For Individuals & Families

Compare subsidized health insurance plans available in North Carolina

Enter your details to see your estimated premium after tax credits.

For Small Businesses

Group health insurance plans for North Carolina businesses

Compare small business health insurance options and tax credits for your team — enrollment handled by FLC at no cost to you.

For Businesses

Group health plans, tax credit optimization, and full enrollment support for North Carolina employers with 1-50 employees.

For Individuals & Families

ACA plans with premium tax credits, Medicaid eligibility screening, and off-marketplace alternatives — all compared and enrolled through FLC.

Licensed North Carolina Agents

Our agents are licensed in North Carolina and ready to help. Call (800) 459-5750 for immediate assistance.

Contact a Licensed North Carolina Agent

Fill out the form below and a licensed North Carolina insurance agent will contact you within one business day.

Get Your Free Quote

Compare plans from top carriers in North Carolina.

By submitting, you agree to be contacted by a licensed insurance agent.

North Carolina Health Insurance FAQs

The easiest way to get health insurance in North Carolina is through FLC Insurance. Our licensed agents compare every available plan, verify your subsidy eligibility, and handle your enrollment from start to finish. Call (800) 459-5750 or request a free quote on this page.

Ready to Find Your North Carolina Health Insurance Plan?

Our licensed North Carolina agents are available to help you compare plans and find the right coverage at no cost to you.

© Copyright 2026 FLC Insurance Services Inc. - All Rights Reserved. | About Us | Terms & Conditions | Privacy Policy | FAQ | Careers | News | Resources | Business Health Insurance | Consent

(800) 459-5750

This website is operated by FLC Insurance Services Inc., and is not the Health Insurance Marketplace® website. In offering this website, FLC Insurance Services Inc., a licensed health insurance agency, is required to comply with all applicable federal laws, including the standards established under 45 CFR § 155.220(c) and (d) and standards established under 45 CFR § 155.260 to protect the privacy and security of personally identifiable information. By creating an account, you consent and request to be contacted by an FLC Insurance Services Inc., agent by phone, email, and text/SMS to the home, office or mobile number(s) you provided, even if your provided number is on a National, State, or Private, Do Not Call List. You understand that consent is not a condition to receive a free quote or of purchase. FLC Insurance Services, Inc., and/or it's Agents/Brokers are licensed in Alabama, Arkansas, Colorado, Florida, Georgia, Indiana, Iowa, Kansas, Louisiana, Maryland, Michigan, Minnesota, Nebraska, New Mexico, North Carolina, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia and have affiliate agents that are licensed in all other states. If you are visually impaired, please call us directly at (800) 459-5750 for further assistance.