Raleigh Health Insurance Costs
Average benchmark Silver plan in Raleigh runs $425/month for a 40-year-old before subsidies. After ACA tax credits, most residents pay much less.
Top Raleigh Carriers
We compare every major carrier serving Raleigh ZIP codes in real time.
Major Raleigh Hospitals We Cover
We verify your preferred hospital is in-network before you enroll. Out-of-network bills can be 3-5× higher.
Raleigh Open Enrollment 2027
Open enrollment for 2027 coverage runs November 1, 2026 – January 15, 2027. Outside that window, Raleigh residents need a qualifying life event to buy or switch a marketplace plan.
| 2027 Open Enrollment | Date |
|---|---|
| Open Enrollment opens | November 1, 2026 |
| Last day to enroll for coverage starting January 1 | December 15, 2026 |
| Open Enrollment closes (coverage starts February 1) | January 15, 2027 |
Most Raleigh residents live in Wake County, where plan choices and prices are set by county and ZIP code. North Carolina uses the federal marketplace, HealthCare.gov. A 2025 rule that would have ended enrollment on December 15 was struck down — here is why the deadline is January 15.
What changes for Raleigh enrollees in 2027
- Smaller credits, and a cliff at 400%. With the enhanced credits gone, a single adult in Raleigh earning $35,000 is expected to pay about $219/mo toward the benchmark Silver plan in 2027 (credit $206/mo). Earn over $63,840 and there is no credit at all, so at today's $425 benchmark you would pay full price — see what else changed.
- Compare before you renew. If you do nothing you are usually re-enrolled, but Blue Cross Blue Shield of NC and other Raleigh carriers can change premiums, networks and drug lists for 2027. Shop again before December 15, and update your 2027 income estimate so you are not repaying credit at tax time.
- Medicaid: North Carolina expanded Medicaid, so adults earning up to 138% of the poverty level — about $22,025 a year for a single adult in 2026 — usually qualify for Medicaid instead of a marketplace plan, and can apply any time of year.
Estimated 2027 tax credit for a single adult in Raleigh
Based on Raleigh's current benchmark Silver estimate of $425/month for a 40-year-old and the IRS 2027 contribution percentages:
| Single adult income | % of poverty level | Your 2027 share | Est. tax credit | Benchmark Silver after credit |
|---|---|---|---|---|
| $25,000 | 157% | 4.63% of income ($96/mo) | $329/mo | $96/mo |
| $35,000 | 219% | 7.51% of income ($219/mo) | $206/mo | $219/mo |
| $45,000 | 282% | 9.66% of income ($362/mo) | $63/mo | $362/mo |
| $55,000 | 345% | 10.22% of income ($468/mo) | $0/mo | $425/mo |
| $65,000 | 407% | No credit above 400% | $0 | $425/mo |
2027 premiums post on November 1, so your exact credit will differ. Ages, household size and ZIP code all change the number — try the subsidy calculator or get an exact quote.
Before you pick a Raleigh plan
- Your hospital: confirm UNC Rex Healthcare, WakeMed or Duke Raleigh Hospital is in the plan's network — networks differ even between plans from the same company.
- Carriers: companies that have sold marketplace plans in Raleigh include Blue Cross Blue Shield of NC, Cigna, UnitedHealthcare and Ambetter; the 2027 lineup is confirmed when plans post on November 1.
- Total yearly cost: add 12 months of premium to the deductible and copays you expect — use our printable comparison worksheet.
Free help enrolling in Raleigh
A licensed TrustedQuotes agent can compare every Raleigh plan, check your doctors and prescriptions, and estimate your 2027 credit at no cost to you — call (954) 805-7882. If you prefer, free in-person help near you is listed at HealthCare.gov's Find Local Help.
More for North Carolina: North Carolina Open Enrollment 2027 North Carolina marketplace plans 2027 Open Enrollment guide Health insurance in Charlotte Health insurance in Durham Health insurance in Greensboro Health insurance in Fayetteville
Raleigh Health Insurance FAQ
When is open enrollment in Raleigh for 2027?
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Can I still get a subsidy in Raleigh in 2027?
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