Most Affordable Health Insurance in North Carolina

Aetna provides the cheapest overall health insurance in North Carolina, with an average monthly premium of $358. Availability may vary, so also consider CareSource, AmeriHealth and UnitedHealthcare for affordable health plans.

*These plans reflect rates for 40-year-olds who aren't considered low-income.

While we've summarized the cheapest companies for most in North Carolina, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:

• Cheapest For Young Adults: Blue Cross Blue Shield ($394 monthly)
• Cheapest For Seniors: Blue Cross Blue Shield ($1,044 monthly)
• Cheapest Catastrophic Plan: Oscar Health Plan of North Carolina, Inc. ($353 monthly)
• Cheapest Expanded Bronze Plan: Blue Cross Blue Shield ($373 monthly)
• Cheapest Bronze Plan: AmeriHealth ($391 monthly)
• Cheapest Silver Plan: Blue Cross Blue Shield ($492 monthly)
• Cheapest Gold Plan: Blue Cross Blue Shield ($507 monthly)

While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.

Aetna is the cheapest provider overall and also the most affordable and widely available for Silver plan in most counties. Below, you can review which company and plan are most affordable in your area.

Follow these steps to find affordable health insurance in North Carolina:

North Carolina's most affordable health insurance companies are Aetna, CareSource, AmeriHealth and UnitedHealthcare. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.

Below are frequently asked questions about finding affordable health insurance in North Carolina:

MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in North Carolina based on consumers aged 18, 26, 40, 50 and 60. 

We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.