North Carolina Health Insurance Cost Calculator
Estimate health insurance costs in North Carolina. Average premium ~$428/mo, see ACA subsidy eligibility, deductible impact, and total annual healthcare costs.
How This Calculator Works
Calculation methodology and assumptions
Health insurance cost estimation for North Carolina. Premium estimates based on ACA marketplace benchmarks adjusted for North Carolina's cost of living index (95.1). ACA subsidies are calculated using Federal Poverty Level guidelines — households earning 100-400% FPL qualify for premium tax credits. Out-of-pocket costs include deductible plus coinsurance on medical expenses. Actual premiums vary by plan tier (Bronze/Silver/Gold/Platinum), insurer, and county.
Key State Information
North Carolina health insurance context: Estimated avg premium ~$428/mo | Cost of living index 95.1 | Median income $60,516 | HSA contributions are state tax-deductible.
Frequently Asked Questions
How much does health insurance cost in North Carolina?
The average individual health insurance premium in North Carolina is approximately $428/month ($5,136/year) for a Silver plan. Family plans cost 2-3x more. ACA subsidies can reduce this significantly — a household earning $50,000 may qualify for $200-400/month in premium tax credits.
Do I qualify for ACA subsidies in North Carolina?
You may qualify if your household income is between 100-400% of the Federal Poverty Level (roughly $14,580-$58,320 for an individual in 2026). North Carolina has a lower cost of living, making marketplace plans relatively affordable even without large subsidies.
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