Health Insurance Cost in North Carolina

Health insurance premiums in North Carolina vary by household size and plan type. Single coverage averages $475, while family plans average $1,300 monthly.

Premium Ranges by Household Size

Single Person

Monthly premium

Low End:$315

Average:$475

High End:$715

Couple

Monthly premium

Low End:$630

Average:$950

High End:$1,430

Family of 4

Monthly premium

Low End:$945

Average:$1,300

High End:$1,920

Health Insurance in North Carolina: Key Facts

Where to Buy

For ACA-compliant plans and subsidies, residents use HealthCare.gov.

Major Carriers

Common insurers in the state include:

Blue Cross Blue Shield of NCAmbetterCignaUnitedHealthcare

Detailed Cost Breakdowns

Single Person Coverage

Monthly premiums range from $315 to $715

View details →

Couple Coverage

Monthly premiums range from $630 to $1,430

View details →

Family of 4 Coverage

Monthly premiums range from $945 to $1,920

View details →

Related Resources

ACA subsidy examples for North Carolina
See how subsidies can reduce your monthly premium
Income limits for ACA subsidies
Check if you qualify for financial assistance
Medical procedure costs in North Carolina
Understand out-of-pocket costs for common procedures

Information Sources

Sources & Disclaimer

Sources:

HealthCare.gov — Official ACA marketplace information and plan data
CMS Public Use Files — Federal marketplace enrollment and premium data
KFF Health Reform Analysis — Independent analysis of marketplace premium trends

Last Updated: January 2026

Disclaimer: The information provided is for educational purposes only. Actual costs vary based on individual circumstances, location, age, plan selection, and other factors. Always verify current information with official sources or licensed professionals. This site does not sell insurance or provide medical advice and is not affiliated with any insurance company or healthcare provider.