How Much Does Health Insurance Cost in North Carolina?
North Carolina pricing is near the national average. Updated for 2026.
Health Insurance Pricing in North Carolina
In North Carolina, the average cost for health insurance is $405 per month (individual), which is 10% lower than the national average of $450. Most North Carolina residents pay between $180 and $720.
North Carolina has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Health insurance costs vary based on plan type, coverage level, age, location, and whether you receive subsidies through the ACA marketplace.
North Carolina vs National Average
What Affects Health Insurance Cost in North Carolina?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
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💡 Tips to Save on Health Insurance in North Carolina
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in North Carolina Cost Trends (2022–2026)
Prices have increased +17.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $344 | — |
| 2023 | $358 | +4.1% |
| 2024 | $381 | +6.4% |
| 2025 | $392 | +2.9% |
| 2026 | $405 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in North Carolina
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Health Insurance Cost in Other States
Related Cost Guides for North Carolina
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