ACA & Obamacare plans in North Carolina
North Carolina residents shop for Affordable Care Act plans through HealthCare.gov, the federal Health Insurance Marketplace. Open Enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027, and you need to enroll by December 15, 2026 for coverage that starts January 1. Outside Open Enrollment, a qualifying life event such as losing job-based coverage, moving, getting married, or having a baby can let you enroll.
North Carolina expanded Medicaid under the Affordable Care Act. Adults with household income up to 138% of the federal poverty level may qualify for Medicaid instead of a Marketplace plan. If your income is above that, you may qualify for premium tax credits that lower the cost of a Marketplace plan. Your advisor can help you figure out which applies to you.
Every ACA plan sold in North Carolina covers essential health benefits, and plans can’t turn you down or charge you more for a pre-existing condition. Learn how ACA plans work.
Medicare in North Carolina
If you’re turning 65 in North Carolina, your Initial Enrollment Period starts three months before your birthday month. Already on Medicare? The Annual Enrollment Period runs October 15 to December 7 each year, when you can switch Medicare Advantage and Part D plans for the coming year.
Our advisors compare Medicare Advantage, Medicare Supplement, and Part D plans available in your part of North Carolina, based on your doctors and prescriptions. For free, unbiased counseling, you can also contact North Carolina’s State Health Insurance Assistance Program through shiphelp.org. Learn about Medicare options.
Coverage we help North Carolina residents compare
Serving all of North Carolina
We help individuals, families, and seniors across North Carolina, including Charlotte, Raleigh, Greensboro, and Durham, and in smaller towns and rural communities throughout the state. Everything happens by phone and online, so you get the same help wherever you live.
North Carolina health insurance questions
When is open enrollment in North Carolina for 2027?
Open Enrollment for 2027 North Carolina health plans runs from November 1, 2026 to January 15, 2027. To have coverage start January 1, 2027, enroll by December 15, 2026.
Where do North Carolina residents enroll in ACA plans?
North Carolina residents enroll through HealthCare.gov. You can enroll on your own, or a licensed advisor can compare plans and help you enroll at no cost to you.
Can I get free Medicare help in North Carolina?
Yes. North Carolina’s State Health Insurance Assistance Program (SHIP) offers free, unbiased Medicare counseling, and you can find it at shiphelp.org. A licensed advisor can also compare Medicare plans available where you live.
Enrollment dates are for 2027 coverage; confirm deadlines with HealthCare.gov. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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