North Carolina · 27 ZIPs covered

Charlotte health insurance plan directory

Use this metro snapshot to evaluate health plan insurance premiums, issuers, and benefits in Charlotte so you can zero in on the best health insurance plan. Charlotte metro area · population 923,655 across 27 ZIP codes.

Estimated population 923,655 across 27 ZIP codes.

Plans tracked

243

Median premium

$321

ZIP coverage

27

Directory data source

We refresh these plan insights whenever CMS rate filings change for 2026, so the premium ranges shown here mirror current marketplace health insurance pricing.

Pick a ZIP to reload this directory with hyperlocal plan data.

28202 28203 28204 28205 28206 28207 28208 28209 28210 28211 28212 28213 28214 28215 28216 28217 28226 28227 28244 28262 28269 28270 28273 28277 28278 28280 28282
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Compare 2026 ACA plans for ZIP 28202

Head over to the HealthPorta plan finder to see live premiums, issuer coverage, formulary summaries, CSR variations, and every available filter (price, metal level, plan type, issuer, dental/vision, on/off exchange, HSA, catastrophic, deductible/MOOP sliders, and keyword search).

Every ZIP in this city links straight to the detailed plan search so you can refine results with the full toolkit.

Compare plans for ZIP 28202

Plan finder tips

  • Select metal level, plan type, CSR variation, issuer, and market (on/off exchange) directly on the search page.
  • Toggle adult/child dental & vision, HSA-only, and catastrophic filters, then fine-tune price, deductible, and MOOP sliders.
  • Use the keyword box for plan IDs or marketing names—the search will redirect to a canonical slug you can bookmark or share.

Hand-picked plan shortcuts

Jump into curated ACA plan searches for Charlotte

These quick links load popular plan combinations for Charlotte so you can skip the form and start comparing Bronze budgets, Silver dental plans, or telehealth-friendly options immediately.

Bronze · under $321

Affordable Bronze ACA plans in Charlotte

Filter Bronze-tier health plan insurance premiums in Charlotte below $321 for coverage year 2026.
Silver + Dental

Silver plans with adult dental in Charlotte

See Silver ACA health insurance plans that include adult dental benefits for households in Charlotte.
HSA · HMO

HSA-friendly HMO options in Charlotte

Limit results to HSA-eligible HMO plans so you can pair tax-advantaged savings with 2026 premiums.
PPO · $471+

PPO plans with higher coverage limits

Scan PPO marketplace plans in Charlotte with premiums starting near $471 to maximize provider choice.
Telehealth supported

Telehealth-ready plans for Charlotte

Focus on marketplace plans that list telehealth or virtual visits so you can access care remotely in Charlotte.

Marketplace plans in Charlotte

Showing 205–216 of 243 ACA plans for ZIP 28202. Select a card to open the full health plan page or jump into the search experience.

Open full plan search

Silver

Enhanced Asthma/COPD Care Silver with $0 Drug Options

Ambetter of North Carolina · Plan ID 77264NC0010009 · HMO

HMO CSR 94% AV Level Silver Plan Issuer profile
Telehealth — HSA — Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$366 – $1826

Sample monthly premium

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Expanded Bronze

Everyday Bronze

Ambetter of North Carolina · Plan ID 77264NC0010028 · HMO

HMO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA ✓ Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$277 – $1384

Sample monthly premium

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Expanded Bronze

Elite Bronze

Ambetter of North Carolina · Plan ID 77264NC0010036 · HMO

HMO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA ✓ Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$315 – $1573

Sample monthly premium

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Silver

Clear Silver with $0 Insulin Options

Ambetter of North Carolina · Plan ID 77264NC0010037 · HMO

HMO CSR 94% AV Level Silver Plan Issuer profile
Telehealth — HSA — Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$357 – $1779

Sample monthly premium

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Expanded Bronze

Standard Expanded Bronze

Ambetter of North Carolina · Plan ID 77264NC0010044 · HMO

HMO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA ✓ Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$278 – $1390

Sample monthly premium

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Silver

Standard Silver

Ambetter of North Carolina · Plan ID 77264NC0010045 · HMO

HMO CSR 94% AV Level Silver Plan Issuer profile
Telehealth — HSA — Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$357 – $1780

Sample monthly premium

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Gold

Standard Gold

Ambetter of North Carolina · Plan ID 77264NC0010046 · HMO

HMO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA — Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$369 – $1840

Sample monthly premium

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Expanded Bronze

Everyday Bronze with Atrium Health

Ambetter of North Carolina · Plan ID 77264NC0010049 · HMO

HMO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA ✓ Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$251 – $1157

Sample monthly premium

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Expanded Bronze

Elite Bronze with Atrium Health

Ambetter of North Carolina · Plan ID 77264NC0010050 · HMO

HMO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA ✓ Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$286 – $1512

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Silver

Focused Silver with Atrium Health

Ambetter of North Carolina · Plan ID 77264NC0010054 · HMO

HMO CSR 94% AV Level Silver Plan Issuer profile
Telehealth — HSA — Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$327 – $1728

Sample monthly premium

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Gold

Complete Gold with Atrium Health

Ambetter of North Carolina · Plan ID 77264NC0010056 · HMO

HMO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA — Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$349 – $1849

Sample monthly premium

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Expanded Bronze

Standard Expanded Bronze with Atrium Health

Ambetter of North Carolina · Plan ID 77264NC0010059 · HMO

HMO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA ✓ Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$252 – $1336

Sample monthly premium

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