Obamacare is also known as the Affordable Care Act. This page gives you an overview of the rates for individual and family health insurance plans available from , the marketplace for Orange County, NC.
The health insurance rates listed below are for calendar year 2023.
For information on subsidies to make your coverage affordable, you must take one of the following actions:
- Contact a licensed health insurance agent
- Complete an application at Healthcare.gov
- Contact the provider directly
Obamacare Providers, 87 Plans and 2023 Rates for Orange County, North Carolina
Below, you’ll find a summary of the 87 plans for Orange County, North Carolina and rates for each of these providers.‡ This chart is designed to give you a preview of your health insurance options.
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Obamacare Rates and Providers for Other Years
How To Sign Up for Obamacare in North Carolina for 2023
For 2023 health plans, North Carolina open enrollment has ended. However, you may still be able to purchase health insurance for this year if you qualify for a special enrollment period. For example, if you’ve recently lost your job or significant income, you might qualify for a 60-day special enrollment period that will allow you to sign up for a new health insurance plan. (See What Happens If I Missed the Enrollment Deadline?)
To get covered, you can go directly to the online health insurance marketplace for North Carolina. If you need personalized help, you can reach out to an enrollment assistant. Most enrollment helpers are working remotely during the COVID crisis.
Where's the North Carolina Health Care Exchange?
You can find the health insurance exchange for North Carolina at Healthcare.gov. This is where you can learn about the various health insurance options available to you under the Affordable Care Act. If you see a plan you like, you'll be guided through the enrollment process online.
North Carolina Medicaid Expansion: Do I Qualify for Medicaid Under the ACA?
The Affordable Care Act (Obamacare) expanded Medicaid eligibility to include more people who couldn’t otherwise obtain health insurance. As written, the ACA would extend Medicaid to all adults with incomes at or below 138% of the federal poverty level. (For a single person in North Carolina in 2021, that’s $18,754. For a family of four, it’s $38,295.)
However, the U.S. Supreme Court later ruled that it was up to individual states to decide whether to expand Medicaid. As of October 2021, 12 states have not expanded their programs.
North Carolina Has Not Expanded Medicaid
On March 24, 2021, the democratic governor of North Carolina, Roy Cooper, included Medicaid expansion in his state budget proposal for 2022-2023. As we near the end of 2021, the issue of Medicaid expansion is still hotly contested in North Carolina. Until North Carolina expands Medicaid eligibility, you may have fewer options for health coverage than people in states where Medicaid is more inclusive.
The Medicaid Coverage Gap
The Affordable Care Act assumed that Medicaid would be expanded to cover all Americans with incomes at or below 138% of the federal poverty level. And it created health plan subsidies for people with incomes between 100% - 400% of the poverty level.
That means North Carolina residents with incomes below the poverty level may fall into a coverage gap where they can get neither Medicaid nor ACA subsidies.
Get Help Finding a Health Insurance Plan in North Carolina
Get Help From North Carolina's Health Insurance Exchange
The following links and telephone numbers take you to the official help resources for Healthcare.gov, the health insurance marketplace for North Carolina.
Help by phone: 800-318-2596 (TTY: 855-889-4325)
In-person help: Go to Find Local Help, where you can enter your city and state or zip code to find an application assister, insurance agent, or health insurance broker in your area.
Get Help From a Licensed Insurance Broker
To directly connect with a North Carolina insurance broker who can help you evaluate insurance plans and choose a plan that's appropriate for your situation, call 800-943-6832. (We receive advertising income from the licensed brokers who offer their services through this telephone number.)
For more detailed information, see How Do I Sign Up for Obamacare in North Carolina?