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Health insurance in North Carolina
6 insurers offer individual marketplace plans in North Carolina for 2026, across 100 counties. How many you can actually choose from depends on where you live — the county table below shows the range.
| Insurers in the state | 6 |
| Counties with marketplace plans | 100 |
| Average insurers per county | 3.5 |
| Registered marketplace agents | 3,290 |
Insurers offering plans in North Carolina
- Ambetter of North Carolina
- AmeriHealth Caritas Next
- Blue Cross and Blue Shield of NC
- Cigna Healthcare
- Oscar Health Plan of North Carolina, Inc
- UnitedHealthcare
Coverage by county
Counties are listed by how many insurers serve them. In most states the choice is much wider in metropolitan counties than rural ones.
| County | Insurers |
|---|---|
| Davidson County | 6 |
| Davie County | 6 |
| Forsyth County | 6 |
| Guilford County | 6 |
| Yadkin County | 6 |
| Alamance County | 5 |
| Buncombe County | 5 |
| Haywood County | 5 |
| Henderson County | 5 |
| Jackson County | 5 |
| Madison County | 5 |
| McDowell County | 5 |
| Mecklenburg County | 5 |
| Mitchell County | 5 |
| Polk County | 5 |
| Randolph County | 5 |
| Rockingham County | 5 |
| Rutherford County | 5 |
| Stokes County | 5 |
| Transylvania County | 5 |
| Yancey County | 5 |
| Alexander County | 4 |
| Anson County | 4 |
| Avery County | 4 |
| Bladen County | 4 |
| Brunswick County | 4 |
| Burke County | 4 |
| Cabarrus County | 4 |
| Caldwell County | 4 |
| Caswell County | 4 |
| Catawba County | 4 |
| Clay County | 4 |
| Columbus County | 4 |
| Cumberland County | 4 |
| Franklin County | 4 |
| Graham County | 4 |
| Granville County | 4 |
| Harnett County | 4 |
| Hoke County | 4 |
| Iredell County | 4 |
| Johnston County | 4 |
| Macon County | 4 |
| New Hanover County | 4 |
| Orange County | 4 |
| Pender County | 4 |
| Person County | 4 |
| Richmond County | 4 |
| Robeson County | 4 |
| Sampson County | 4 |
| Scotland County | 4 |
| Swain County | 4 |
| Union County | 4 |
| Vance County | 4 |
| Wake County | 4 |
| Warren County | 4 |
| Wilkes County | 4 |
| Alleghany County | 3 |
| Cherokee County | 3 |
| Cleveland County | 3 |
| Duplin County | 3 |
| Durham County | 3 |
| Gaston County | 3 |
| Lee County | 3 |
| Lincoln County | 3 |
| Montgomery County | 3 |
| Moore County | 3 |
| Rowan County | 3 |
| Stanly County | 3 |
| Surry County | 3 |
| Ashe County | 2 |
| Beaufort County | 2 |
| Bertie County | 2 |
| Camden County | 2 |
| Carteret County | 2 |
| Chatham County | 2 |
| Chowan County | 2 |
| Craven County | 2 |
| Currituck County | 2 |
| Dare County | 2 |
| Edgecombe County | 2 |
| Gates County | 2 |
| Greene County | 2 |
| Halifax County | 2 |
| Hertford County | 2 |
| Hyde County | 2 |
| Jones County | 2 |
| Lenoir County | 2 |
| Martin County | 2 |
| Nash County | 2 |
| Northampton County | 2 |
| Onslow County | 2 |
| Pamlico County | 2 |
| Pasquotank County | 2 |
| Perquimans County | 2 |
| Pitt County | 2 |
| Tyrrell County | 2 |
| Washington County | 2 |
| Watauga County | 2 |
| Wayne County | 2 |
| Wilson County | 2 |
Free enrollment help in North Carolina
Navigators and certified assisters are funded to help people enrol at no charge. They cannot sell you a policy or steer you to one insurer.
Source: CMS Health Insurance Exchange public use files, plan year 2026, and the federal Find Local Help directory. Covers the federal marketplace only. States running their own exchanges publish separately and are not included.