Health Insurance in North Carolina for the Self-Employed & Families

I am an independent, licensed health insurance broker and I am licensed in North Carolina. I compare North Carolina plans across multiple insurance companies, explain the trade-offs in plain English, and help you enroll. There is no fee for my help — the insurance company pays the broker, not you.

North Carolina expanded Medicaid in December 2023, which closed its coverage gap.

How coverage works in North Carolina

North Carolina uses the federal marketplace at HealthCare.gov. That is where North Carolina residents compare ACA plans and claim a premium tax credit. I can quote those plans for you alongside the private options, so you are comparing everything at once rather than one window at a time.

Medicaid expansion means no coverage gap

North Carolina has adopted Medicaid expansion (expanded at the end of 2023), so adults under roughly 138% of the federal poverty level are generally eligible for North Carolina Medicaid, and premium tax credits pick up from there. In practice that means there is no income at which you simply have nothing available — which is not true in every state I am licensed in.

Your realistic options in North Carolina

• ACA / marketplace plans. Guaranteed acceptance — your health history cannot be used to decline you or raise your price. If your income qualifies, a premium tax credit lowers what you pay each month.
• Private, medically underwritten plans. These ask health questions. For healthy applicants they are often cheaper than full-price marketplace coverage, and they can be applied for at any time of year rather than only during Open Enrollment.
• Small business / group coverage. If you have employees in North Carolina, group coverage is worth pricing — it is often the strongest benefit a small employer can offer.
• Short-term and supplemental. Useful for bridging a gap between jobs, or adding dental, vision, accident and critical-illness coverage alongside a main plan. Duration limits vary by state, so ask me what applies in North Carolina right now.

Who I usually help in North Carolina

Self-employed people and 1099 contractors, families buying their own coverage, people who have just lost coverage through a job, small business owners, and people retiring before Medicare starts. If you earn too much to qualify for a premium tax credit, that is worth a conversation: the enhanced subsidies expired, so there is now a hard cut-off at 400% of the federal poverty level, and above it the math changes.

Posey Health Solutions · National Producer Number 20609967 · licensed in North Carolina and 30 other states. This page is general information, not advice about a specific plan, and it is not tax advice. Plan availability and carrier participation vary by county and plan year.