Does North Carolina have the Affordable Care Act?
Asked by: Helmer Turcotte IV | Last update: January 20, 2026Score: 5/5 (75 votes)
What states do not participate in the Affordable Care Act?
The Affordable Care Act, also known as Obamacare, was enacted in 2010, but 10 states have not expanded Medicaid, the federal-state program that provides health care for low-income people. They are Alabama, Florida, Georgia, Kansas, Mississippi, South Carolina, Tennessee, Texas, Wisconsin and Wyoming.
Who is eligible for the NC state health plan?
The Plan provides health care coverage to nearly 750,000 teachers, state employees, retirees and their dependents.
Does North Carolina have health insurance for low-income?
Medicaid is a health insurance program for low-income individuals and families who cannot afford health care costs. NC Medicaid may help pay for certain medical expenses including: Doctor Bills. Hospital Bills.
How much does health insurance cost per month in North Carolina?
The average cost of health insurance in North Carolina is $664 per month if you pay full price or $55 per month if you're eligible for discounts based on your income. Your health insurance costs will vary based on the level of coverage you choose, your age and your income. Plans with less coverage have cheaper rates.
ACA 101: A Comprehensive Guide to the Affordable Care Act
Why is health insurance so expensive in North Carolina?
Our state has large regions with only a few major health care providers. Some areas like Western North Carolina are dominated by only one hospital system. That lack of competition not only drives up the cost of care but also makes it much more difficult for insurers to negotiate lower prices with hospitals.
How much is Obamacare a month for a single person?
Monthly premiums for Affordable Care Act (ACA) Marketplace plans vary by state and can be reduced by premium tax credits. The average national monthly health insurance cost for one person on an Affordable Care Act (ACA) plan without premium tax credits in 2024 is $477.
Does North Carolina participate in the Affordable Care Act?
The State of North Carolina offers several health insurance coverage options to all permanent, full-time employees. For temporary employees, a separate coverage is available through the State Health Plan (known as the High Deductible Health Plan) in compliance with the Affordable Care Act.
What is the maximum income to qualify for Medicaid in NC?
As of 2023, the maximum income to qualify for Medicaid in North Carolina varies based on household size. For single adults in North Carolina, the maximum income limit to qualify for Medicaid is $1,676 per month before taxes, which equates to an annual income of $20,120.
Do NC state retirees get free health insurance?
For qualified retirees, the plan is premium-free for retiree-only coverage. Retirees will have up to 30 days PRIOR to their benefit effective date to change plans if they desire. Automatically enrolled in the Base PPO Plan (70/30). For qualified retirees, this plan is also premium-free for retiree-only coverage.
Does North Carolina use federal or state marketplace for health insurance?
North Carolina uses the federally run exchange for individual market plans, so residents who buy their own health insurance enroll through HealthCare.gov.
What is the out-of-pocket maximum for NC State Health Plan?
The Base PPO Plan (70/30) has a combined medical and pharmacy out-of-pocket maximum, which totals $5,900 (in-network/ subscriber-only coverage). This means that once you reach this amount, your Plan benefit will pick up 100% of in-network covered expenses for the rest of the benefit year.
Who is not eligible for Affordable Care Act?
You are not eligible for Obamacare if: You do not live in the U.S. You are incarcerated. You are not a U.S. citizen, U.S. national, or lawfully present noncitizen in the U.S.
What states offer free health insurance?
Does NC Medicaid check your bank account?
Upon applying for Medicaid, the program conducts an initial financial assessment. This assessment thoroughly reviews your financial status and bank accounts to determine if you meet the asset and income criteria.
What income is too high for Medicaid?
In general, however, the income limits are low. In most states in 2025, the income limit for receiving long-term care at home or in a nursing home through Medicaid is $2,901/month.
What states rejected the Affordable Care Act?
Ten states—Alabama, Florida, Georgia, Kansas, Mississippi, South Carolina, Tennessee, Texas, Wisconsin, and Wyoming—have not expanded Medicaid eligibility under the Affordable Care Act to individuals with incomes up to 138% of the federal poverty level.
What is the average cost of health insurance in North Carolina?
The Cost of Health Insurance in North Carolina
The average cost of health insurance in the state of North Carolina is $6,352 per person based on the most recently published data. For a family of four, this translates to $25,408.
Is Affordable Care Act based on income or assets?
Under the Affordable Care Act, eligibility for income-based Medicaid and subsidized health insurance through the Marketplaces is calculated using a household's Modified Adjusted Gross Income (MAGI).
What are the pros and cons of the Affordable Care Act?
The pros of the ACA include prohibiting insurance companies from denying coverage based on health history and providing subsidies to reduce premiums and out-of-pocket costs. The cons of the ACA include small business challenges and limited provider options in some regions.
What disqualifies you from the premium tax credit?
For tax years other than 2021 and 2022, if your household income on your tax return is more than 400 percent of the federal poverty line for your family size, you are not allowed a premium tax credit and will have to repay all of the advance credit payments made on behalf of you and your tax family members.