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

246

Median premium

$20

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
Advertisement

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 $250

Affordable Bronze ACA plans in Charlotte

Filter Bronze-tier health plan insurance premiums in Charlotte below $250 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 · $400+

PPO plans with higher coverage limits

Scan PPO marketplace plans in Charlotte with premiums starting near $400 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 241–246 of 246 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

Low

EMI Health Advantage Co-pay

EMI Health · Plan ID 93383NC0010003 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$16 – $31

Sample monthly premium

Health plan details See more plans

Low

EMI Health Advantage PPO

EMI Health · Plan ID 93383NC0010004 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$9 – $19

Sample monthly premium

Health plan details See more plans

High

BEST Life Superior Dental Plan

BEST Life · Plan ID 94482NC0020003 · PPO

PPO CSR Standard High On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$33 – $52

Sample monthly premium

Health plan details See more plans

Low

BEST Life Essential Value Dental

BEST Life · Plan ID 94482NC0020006 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$21 – $31

Sample monthly premium

Health plan details See more plans

High

BEST Life Preferred Dental Plan

BEST Life · Plan ID 94482NC0020007 · PPO

PPO CSR Standard High On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$30 – $43

Sample monthly premium

Health plan details See more plans

Low

BEST Life Essential Basic Dental

BEST Life · Plan ID 94482NC0020008 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$19 – $30

Sample monthly premium

Health plan details See more plans