Health insurance prices in North Carolina (2026)
206 marketplace plans from 6 insurers across 100 counties. Official marketplace: HealthCare.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
Compare options
Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $420–$907 (typical $597) · Silver $540–$1,128 (typical $758) · Gold $558–$1,345 (typical $847)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 100) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Oscar Health | 23 | 22 | $449 | $503 | $635 | $682 | Bronze Classic Standard | with Atrium Health |
| Ambetter (Centene) | 63 | 29 | $420 | $523 | $650 | $682 | Everyday Bronze with Atrium Health |
| AmeriHealth Caritas Next | 41 | 8 | $450 | $551 | $722 | $746 | AmeriHealth Caritas Next Bronze Essential + No Referrals |
| Blue Cross and Blue Shield of NCIndependent Blue Cross Blue Shield company | 100 | 117 | $446 | $651 | $834 | $866 | Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance |
| UnitedHealthcareUnitedHealth Group | 37 | 13 | $511 | $631 | $883 | $984 | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals |
| Cigna HealthcareCigna Group | 87 | 17 | $548 | $728 | $906 | $1,080 | Connect Bronze 5500 Indiv Med Deductible |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $420 | $597 | $907 | 83 | $7,500 | $10,150 | $17,220 |
| Silver | $540 | $758 | $1,128 | 74 | $5,500 | $9,150 | $18,967 |
| Gold | $558 | $847 | $1,345 | 49 | $1,800 | $8,200 | $18,807 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in North Carolina
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Alamance County | 5 | 45 | $460 | $557 | $736 |
| Alexander County | 4 | 63 | $463 | $591 | $783 |
| Alleghany County | 3 | 41 | $527 | $619 | $745 |
| Anson County | 4 | 62 | $449 | $548 | $682 |
| Ashe County | 2 | 26 | $557 | $650 | $828 |
| Avery County | 4 | 51 | $546 | $642 | $815 |
| Beaufort County | 2 | 28 | $636 | $690 | $878 |
| Bertie County | 2 | 28 | $630 | $683 | $861 |
| Bladen County | 4 | 56 | $505 | $640 | $815 |
| Brunswick County | 4 | 65 | $533 | $643 | $862 |
| Buncombe County | 5 | 59 | $546 | $648 | $835 |
| Burke County | 4 | 63 | $463 | $591 | $783 |
| Cabarrus County | 4 | 68 | $447 | $547 | $623 |
| Caldwell County | 4 | 63 | $463 | $591 | $783 |
| Camden County | 2 | 28 | $630 | $683 | $861 |
| Carteret County | 2 | 28 | $636 | $690 | $878 |
| Caswell County | 4 | 39 | $460 | $529 | $659 |
| Catawba County | 4 | 63 | $463 | $591 | $783 |
| Chatham County | 2 | 16 | $460 | $497 | $807 |
| Cherokee County | 3 | 36 | $551 | $662 | $836 |
| Chowan County | 2 | 28 | $630 | $683 | $861 |
| Clay County | 4 | 51 | $546 | $642 | $815 |
| Cleveland County | 3 | 64 | $485 | $575 | $721 |
| Columbus County | 4 | 65 | $533 | $643 | $862 |
| Craven County | 2 | 28 | $636 | $690 | $878 |
| Cumberland County | 4 | 56 | $505 | $640 | $815 |
| Currituck County | 2 | 28 | $630 | $683 | $861 |
| Dare County | 2 | 28 | $636 | $690 | $878 |
| Davidson County | 6 | 89 | $420 | $530 | $667 |
| Davie County | 6 | 83 | $420 | $547 | $646 |
| Duplin County | 3 | 50 | $551 | $660 | $868 |
| Durham County | 3 | 31 | $460 | $506 | $645 |
| Edgecombe County | 2 | 28 | $624 | $676 | $861 |
| Forsyth County | 6 | 89 | $420 | $530 | $667 |
| Franklin County | 4 | 44 | $446 | $511 | $705 |
| Gaston County | 3 | 60 | $493 | $580 | $737 |
| Gates County | 2 | 28 | $630 | $683 | $861 |
| Graham County | 4 | 51 | $546 | $642 | $815 |
| Granville County | 4 | 48 | $498 | $665 | $858 |
| Greene County | 2 | 28 | $624 | $676 | $861 |
| Guilford County | 6 | 83 | $422 | $557 | $701 |
| Halifax County | 2 | 28 | $630 | $683 | $861 |
| Harnett County | 4 | 56 | $505 | $640 | $815 |
| Haywood County | 5 | 64 | $546 | $642 | $836 |
| Henderson County | 5 | 57 | $551 | $658 | $860 |
| Hertford County | 2 | 28 | $630 | $683 | $861 |
| Hoke County | 4 | 56 | $505 | $640 | $815 |
| Hyde County | 2 | 28 | $636 | $690 | $878 |
| Iredell County | 4 | 63 | $463 | $591 | $783 |
| Jackson County | 5 | 64 | $546 | $642 | $836 |
| Johnston County | 4 | 44 | $446 | $511 | $705 |
| Jones County | 2 | 28 | $636 | $690 | $878 |
| Lee County | 3 | 31 | $460 | $506 | $645 |
| Lenoir County | 2 | 28 | $636 | $690 | $878 |
| Lincoln County | 3 | 64 | $485 | $575 | $721 |
| Macon County | 4 | 51 | $546 | $642 | $815 |
| Madison County | 5 | 59 | $546 | $648 | $835 |
| Martin County | 2 | 28 | $630 | $683 | $861 |
| McDowell County | 5 | 59 | $546 | $648 | $835 |
| Mecklenburg County | 5 | 81 | $447 | $550 | $683 |
| Mitchell County | 5 | 59 | $546 | $648 | $835 |
| Montgomery County | 3 | 43 | $590 | $665 | $834 |
| Moore County | 3 | 43 | $590 | $665 | $834 |
| Nash County | 2 | 37 | $515 | $663 | $845 |
| New Hanover County | 4 | 65 | $533 | $643 | $862 |
| Northampton County | 2 | 28 | $630 | $683 | $861 |
| Onslow County | 2 | 37 | $551 | $676 | $862 |
| Orange County | 4 | 44 | $460 | $556 | $751 |
| Pamlico County | 2 | 28 | $636 | $690 | $878 |
| Pasquotank County | 2 | 28 | $630 | $683 | $861 |
| Pender County | 4 | 65 | $533 | $643 | $862 |
| Perquimans County | 2 | 28 | $630 | $683 | $861 |
| Person County | 4 | 39 | $460 | $529 | $659 |
| Pitt County | 2 | 28 | $624 | $676 | $861 |
| Polk County | 5 | 59 | $546 | $648 | $835 |
| Randolph County | 5 | 75 | $422 | $577 | $719 |
| Richmond County | 4 | 56 | $505 | $640 | $815 |
| Robeson County | 4 | 56 | $505 | $640 | $815 |
| Rockingham County | 5 | 63 | $457 | $592 | $723 |
| Rowan County | 3 | 54 | $447 | $553 | $687 |
| Rutherford County | 5 | 64 | $546 | $642 | $836 |
| Sampson County | 4 | 56 | $505 | $640 | $815 |
| Scotland County | 4 | 56 | $505 | $640 | $815 |
| Stanly County | 3 | 52 | $449 | $536 | $617 |
| Stokes County | 5 | 75 | $420 | $580 | $723 |
| Surry County | 3 | 48 | $450 | $631 | $826 |
| Swain County | 4 | 51 | $546 | $642 | $815 |
| Transylvania County | 5 | 59 | $546 | $648 | $835 |
| Tyrrell County | 2 | 28 | $636 | $690 | $878 |
| Union County | 4 | 68 | $447 | $547 | $623 |
| Vance County | 4 | 48 | $498 | $665 | $858 |
| Wake County | 4 | 44 | $446 | $511 | $705 |
| Warren County | 4 | 48 | $498 | $665 | $858 |
| Washington County | 2 | 28 | $636 | $690 | $878 |
| Watauga County | 2 | 26 | $557 | $650 | $828 |
| Wayne County | 2 | 28 | $624 | $676 | $861 |
| Wilkes County | 4 | 64 | $514 | $584 | $741 |
| Wilson County | 2 | 28 | $624 | $676 | $861 |
| Yadkin County | 6 | 89 | $420 | $530 | $667 |
| Yancey County | 5 | 59 | $546 | $648 | $835 |
To compare insurance plans side by side (or with health sharing), open your county.