North Carolina · 2027 Open Enrollment
North Carolina ACA health insurance for 2027
Open Enrollment for 2027 North Carolina Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in North Carolina and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.
What's new in North Carolina for 2027
The average proposed increase for North Carolina is about 14.9% for 2027. More than 760,000 North Carolinians chose Marketplace plans for 2026.
Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.
How to enroll in North Carolina
North Carolina residents enroll through HealthCare.gov, the federal Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:
- Enter your North Carolina ZIP code, household size and estimated 2027 income.
- Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
- Pick a plan, submit your application and pay your first premium to activate coverage.
Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).
2027 North Carolina Marketplace insurers
- Blue Cross and Blue Shield of North Carolina
- Ambetter of North Carolina
- AmeriHealth Caritas
- Oscar
- UnitedHealthcare
Not every insurer sells plans in every county. Source: healthinsurance.org North Carolina Marketplace guide and state rate filings, September 2026.
Medicaid and the coverage gap in North Carolina
North Carolina expanded Medicaid on December 1, 2023, so many adults who used to fall in the coverage gap now qualify for NC Medicaid. If your household may qualify for NC Medicaid and NC Health Choice, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.
Where we help in North Carolina
We enroll individuals, families, self-employed workers and early retirees across North Carolina, including Charlotte, Raleigh, Greensboro, Durham, Winston-Salem and Wilmington, plus rural counties. Everything is handled by phone and online, so there's no office visit.
Frequently asked questions
When is Open Enrollment for 2027 health insurance in North Carolina?
Open Enrollment for 2027 coverage in North Carolina runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
How much are ACA premiums going up in North Carolina for 2027?
Insurers' proposed 2027 rates in North Carolina average about 14.9% before subsidies, according to rate filings tracked by healthinsurance.org. What you actually pay depends on your plan, age, ZIP code and tax credit.
Which insurers sell Marketplace plans in North Carolina for 2027?
Insurers offering North Carolina Marketplace coverage for 2027 include Blue Cross and Blue Shield of North Carolina, Ambetter of North Carolina, AmeriHealth Caritas, Oscar, UnitedHealthcare. Availability varies by county.
Did North Carolina expand Medicaid?
North Carolina expanded Medicaid on December 1, 2023, so many adults who used to fall in the coverage gap now qualify for NC Medicaid.
Can a licensed agent help me enroll in North Carolina by phone?
Yes. Larry Hamilton (NPN #11384312) is licensed in North Carolina and helps residents compare and enroll in ACA Marketplace plans by phone or online at no extra cost.