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Health Insurance Solutions

Licensed in North Carolina

Health insurance and Medicare in North Carolina

Health Insurance Solutions is an independent agency licensed in North Carolina. Our agents compare ACA marketplace, Medicare and other health plans for people in North Carolina at no cost to you. Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov.

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Facts reviewed

North Carolina at a glance for 2027

Marketplace
HealthCare.govFederal marketplace
Open enrollment for 2027
November 1, 2026 to January 15, 2027
For coverage on January 1
Pick a plan by December 15, 2026
Medicaid
Expanded in 2023NC Medicaid
Medicare plan changes
October 15 to December 7, 2026
Medicare counseling
SHIIP (Seniors' Health Insurance Information Program)Free and unbiased

What changes in North Carolina for 2027?

Smaller marketplace savings

The extra savings that started in 2021 ended after 2025. For 2027, people who qualify pay between 2.15% and 10.22% of household income for the benchmark silver plan, and households above 400% of the federal poverty level get no premium tax credit.

Medicaid work requirements

Federal law requires states that expanded Medicaid to start work requirements by January 1, 2027. Most expansion adults ages 19 to 64 must show 80 hours a month of work, school, job training or volunteering unless they qualify for an exemption, such as being pregnant, having a disability or being the parent of a child 13 or younger. Starting January 1, 2027, most NC Medicaid adults ages 19 to 64 must meet the work requirement and renew every 6 months instead of once a year.

Medicare plan changes

Medicare's annual enrollment period runs October 15 to December 7, 2026. If you have a Medicare Advantage plan, you can switch again from January 1 to March 31, 2027.

How much help can I get with health insurance in North Carolina for 2027?

Enter your household size and expected income to see your estimated 2027 premium and whether NC Medicaid may apply.

You expect to pay about $289 a month

That is 8.68% of your income for the benchmark silver plan, at 251% of the poverty level. Add the benchmark plan price above to see your tax credit.

Poverty level used: $15,960 for 1 person (2026 guidelines).

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This is an estimate, not a quote. Open the full calculator.

How do I get health insurance in North Carolina?

  1. Mark your dates

    Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov.

  2. Check Medicaid and savings

    Adults earning up to 138% of the federal poverty level can get NC Medicaid. Above that, HealthCare.gov shows the savings you qualify for when you apply.

  3. Compare plans with a licensed agent

    A Health Insurance Solutions agent licensed in North Carolina compares the plans available in your ZIP code, explains the tradeoffs and helps you enroll. Our help costs you nothing.

  4. Enroll before the deadline

    Pick a plan by December 15, 2026 for coverage that starts January 1, 2027. After open enrollment ends, you usually need a qualifying life event, like losing other coverage or moving, to enroll.

Talk to an agent licensed in North Carolina

We compare plans, explain the tradeoffs and help you enroll. It costs you nothing.

Get help

What should people with Medicare in North Carolina know?

Medicare dates are the same in every state. Each state sets its own Medigap rules, so that is where North Carolina differs.

How Medicare coverage works
Annual enrollment period
October 15 to December 7, 2026. Join, switch or drop a Medicare Advantage or Part D plan for 2027.
Medicare Advantage open enrollment
January 1 to March 31, 2027. If you have a Medicare Advantage plan, you can switch to another one or return to Original Medicare.
Medigap if you are under 65
Yes. State law requires insurers to offer Medigap to people under 65 who have Medicare because of a disability.
Switching Medigap plans
North Carolina has no birthday or anniversary rule. After your Medigap open enrollment period, insurers can usually ask health questions before selling you a new policy, except in federal guaranteed issue situations.
Free, unbiased counseling
SHIIP (Seniors' Health Insurance Information Program). Find a local counselor at shiphelp.org.

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 or 1-800-MEDICARE to get information on all of your options.

Plans we help with in North Carolina

Local guides for North Carolina cities

Find insurers and hospitals in North Carolina

Browse state-specific insurer and hospital listings, see the sources, and learn what to confirm before you choose a plan.

Explore North Carolina insurers and hospitals

North Carolina health insurance questions

When is open enrollment for 2027 health insurance in North Carolina?

Open enrollment for 2027 coverage in North Carolina runs from November 1, 2026 to January 15, 2027 on HealthCare.gov. Pick a plan by December 15, 2026 for coverage that starts January 1, 2027.

Can I get health insurance in North Carolina after open enrollment ends?

Yes, if you have a qualifying life event. Losing other coverage, moving, getting married or having a baby usually opens a 60-day special enrollment period on HealthCare.gov. Medicaid and CHIP accept applications all year.

Can I still get help paying for a marketplace plan in North Carolina in 2027?

Yes, if your household income is between 100% and 400% of the federal poverty level. The extra savings that started in 2021 ended after 2025. For 2027, people who qualify pay between 2.15% and 10.22% of household income for the benchmark silver plan, and households above 400% of the federal poverty level get no premium tax credit.

Has North Carolina expanded Medicaid?

Yes. North Carolina expanded Medicaid in 2023, so adults ages 19 to 64 with income up to 138% of the federal poverty level can qualify for NC Medicaid.

Do Medicaid work requirements apply in North Carolina?

Yes. Federal law requires states that expanded Medicaid to start work requirements by January 1, 2027. Most expansion adults ages 19 to 64 must show 80 hours a month of work, school, job training or volunteering unless they qualify for an exemption, such as being pregnant, having a disability or being the parent of a child 13 or younger. Starting January 1, 2027, most NC Medicaid adults ages 19 to 64 must meet the work requirement and renew every 6 months instead of once a year.

Can I switch Medigap plans in North Carolina without health questions?

Usually only in limited cases. North Carolina has no birthday or anniversary rule. After your Medigap open enrollment period, insurers can usually ask health questions before selling you a new policy, except in federal guaranteed issue situations.

Where can I get free Medicare counseling in North Carolina?

In North Carolina, free and unbiased Medicare counseling comes from the State Health Insurance Assistance Program, called SHIIP (Seniors' Health Insurance Information Program). You can find a local counselor at shiphelp.org.

Is Health Insurance Solutions licensed in North Carolina?

Yes. Health Insurance Solutions is an independent insurance agency licensed in North Carolina and 21 other states. Our agents compare plans from multiple insurers and help you enroll, at no cost to you.

Sources

Facts reviewed

Rules change. Confirm dates and eligibility with your marketplace, your state Medicaid agency or Medicare before you enroll.

Other states we serve

Compare all 22 states