Compare your North Carolina coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
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North Carolina residents shop for individual coverage through the federal marketplace, alongside private and employer options. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in North Carolina is the first step toward a plan that fits.
North Carolina uses HealthCare.gov, the federal marketplace, rather than its own state-based exchange. Several carriers offer ACA-compliant plans, including Blue Cross NC, which is available in all 100 counties.
North Carolina expanded Medicaid effective December 1, 2023. Adults ages 19-64 with income up to 138% of the federal poverty level may qualify. Above that threshold, income-based marketplace premium tax credits can lower monthly cost.
Open enrollment generally runs November 1 through January 15. Enrolling by December 15 typically starts coverage January 1; enrolling after that starts coverage February 1. Qualifying life events open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving North Carolina residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
We serve North Carolina residents across Charlotte, Raleigh, Greensboro, Durham, and Winston-Salem and statewide.
Personal coverage for North Carolina residents without an employer plan.
Learn MoreProtect your whole household under one North Carolina plan.
Learn MoreFlexible coverage for North Carolina freelancers and contractors.
Learn MoreGroup health benefits for North Carolina teams of 2 to 50.
Learn MoreYes. We are a licensed health insurance advisory firm serving North Carolina (NPN 21610992). You can verify our license through the North Carolina Department of Insurance or the national producer registry.
North Carolina uses the federal marketplace at HealthCare.gov rather than its own state-based exchange. Several carriers offer ACA-compliant plans there, including Blue Cross NC, which is available statewide. We help you compare marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.
North Carolina expanded Medicaid effective December 1, 2023. Adults ages 19 through 64 with income up to 138% of the federal poverty level may qualify for NC Medicaid. If your income is above that threshold, income-based marketplace premium tax credits can lower your monthly cost. We check whether you qualify and help you set an accurate income estimate.
Open enrollment for North Carolina's federal marketplace plans generally runs November 1 through January 15. Enrolling by December 15 typically starts coverage January 1; enrolling after that date typically starts coverage February 1. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with North Carolina individuals, families, self-employed professionals, and small business owners across Charlotte, Raleigh, Greensboro, Durham, and Winston-Salem and statewide, matching each situation to the right coverage.
Last reviewed: July 2026. Sources: North Carolina Department of Insurance, NC Medicaid, HealthCare.gov. Rules, rates, and carrier availability change and should be confirmed with official sources at the time of enrollment.
Talk through your options with a licensed advisor who serves North Carolina. No cost, no pressure.