Health insurance plans in North Carolina
North Carolina uses the federal Marketplace, with 206 plans across the Bronze, Silver and Gold tiers from up to 6 insurers. Which tier suits you depends far more on how much care you expect to use than on the premium alone.
Every North Carolina Bronze plan is HSA-eligible.
All 83 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, which averages $6,340 in this tier.
The three tiers in North Carolina, compared
Catastrophic and other coverage
Some states also offer Catastrophic plans, which carry very low premiums and very high deductibles and are limited to people under 30 or those with a hardship exemption. They are a small share of the market and are not broken out into their own page here — you can find any available in North Carolina on the full North Carolina plan list. Platinum plans are rare on the federal Marketplace and are absent from most states.
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