Silver health insurance plans in North Carolina

Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 74 Silver plans in North Carolina, deductibles average $4,639 and the out-of-pocket maximum averages $9,595. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.

Anyone eligible to buy Marketplace coverage in North Carolina can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($525 a month on average) is higher than Gold in some states.

The average across all 74 Silver plans in North Carolina is $4,639, with an average out-of-pocket maximum of $9,595. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.

Silver plans are sold in 100 North Carolina counties, from 6 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.

North Carolina uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Silver premiums in North Carolina start at $423 a month before any subsidy.