Charlotte, NC · 2027 Open Enrollment
ACA health insurance agent serving Charlotte, NC
Larry Hamilton is a licensed North Carolina health insurance agent (NPN 11384312) who has helped Marketplace clients since 2014. He helps people across Mecklenburg, Union, Cabarrus, Gaston and Iredell counties enroll in Obamacare plans through HealthCare.gov, including Charlotte, Matthews, Mint Hill, Huntersville, Cornelius, Concord, Gastonia, Monroe and Mooresville. Everything is handled by phone and online, so you get one-on-one help without an office visit and at no extra cost.
2027 Open Enrollment dates
Open Enrollment for 2027 coverage runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage that starts January 1.
Who I help in the Charlotte area
- Self-employed people, freelancers and small-business owners
- Banking, tech and healthcare contractors whose contracts don't include benefits
- Early retirees who aren't yet 65
- Families whose employer plan costs too much to cover a spouse or children
- People who just moved to the Charlotte region
What changes for 2027 in North Carolina
Five insurers sell North Carolina Marketplace plans for 2027, and the average proposed increase is about 14.9% before subsidies. The extra federal subsidies expired at the end of 2025, so many people will see a different bill even if their plan stays the same. See the 2027 subsidy income limits.
Your doctors and hospitals
Networks can differ a lot from plan to plan. Before you choose, I'll help you check whether your doctors and preferred hospitals, such as Atrium Health and Novant Health, are in the plan's network.
Medicaid in North Carolina
North Carolina expanded Medicaid on December 1, 2023, so many adults with lower incomes now qualify for NC Medicaid instead of a Marketplace plan. Your application will show if you're likely eligible.
Call 803-851-3589 (calls only) or compare plans by ZIP code.
More North Carolina details: North Carolina ACA health insurance agent · Insurers leaving the Marketplace in 2027
Frequently asked questions
Is there an ACA health insurance agent for Charlotte, NC?
Yes. Larry Hamilton (NPN 11384312) is licensed in North Carolina and helps Charlotte-area residents enroll in Marketplace plans by phone or online at no extra cost.
Can I keep my Atrium Health or Novant Health doctor?
It depends on the plan. Networks differ by insurer and plan, so Larry will help you check your doctors and hospitals before you enroll.
Does it cost more to use an agent in Charlotte?
No. Marketplace premiums are the same with or without an agent. Agents are paid by the insurance company.