Health insurance cost in North Carolina
The benchmark silver Marketplace plan for a 40-year-old costs $638 a month in North Carolina in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.
Health insurance cost
$638
a month
A year
$7,656
Rank
30 of 51
1 = cheapest; +2% vs U.S.
| State | Health insurance cost | Rank |
|---|---|---|
| Georgia | $615 | 28 |
| New Mexico | $623 | 29 |
| North Carolina | $638 | 30 |
| Utah | $640 | 31 |
| Alabama | $645 | 32 |
| U.S. | $625 | - |
Common questions
How much is health insurance in North Carolina?
The benchmark silver Marketplace plan for a 40-year-old costs $638 a month in North Carolina in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.
Is health insurance in North Carolina expensive?
North Carolina ranks 30 of 51 (1 = cheapest). The U.S. average is $625 a month.
Add it to a full month with the budget by state tool.
More for North Carolina: monthly budget · take-home pay · rent.