Best health Insurance plans in

North Carolina

in 2025

Choosing a health plan for your business can be complicated and opaque. When evaluating your options, there are a few key factors you should consider:  

• Costs: Evaluate both the premiums (monthly costs paid by the employer and/or employee) and the out-of-pocket expenses (deductibles, copayments, and coinsurance). Balance these against the overall value and coverage provided. 
• Flexibility: Consider whether the options allow employees to choose their insurance based on their own unique needs.  
• Quality of Service: Research the reputation and customer satisfaction ratings of the provider and their network of healthcare providers or health plan options. 
• Compliance: Ensure that the plan complies with all relevant regulations and laws, such as the Affordable Care Act (ACA) requirements if applicable. 
• Feedback from Employees: Gathering input from your employees about their healthcare needs and preferences can provide valuable insights into choosing an option that best meets their expectations.

Venteur administers an ICHRA – an Individual Coverage Health Reimbursement Arrangement. Instead of picking an expensive and inflexible group plan, you set a budget and your employees use Venteur to shop for the plan that works best for them. This allows your employees who elect to enroll in health benefits to pick from the plans available in their state!

The cost of health insurance in North Carolina depends on factors like age, location, and plan selection. For those receiving an Individual Coverage Health Reimbursement Arrangement (ICHRA) through their employer, Venteur's platform allows employees to compare individual market plans and apply their monthly allowance toward premiums. On average, individual marketplace plan premiums typically range from $400 to $600 per month before subsidies or ICHRA contributions. Venteur helps employers set a defined benefits budget so employees can find plans that balance premium and coverage based on their circumstances.

North Carolina offers Medicaid to eligible low-income individuals and families. Venteur does not enroll users in Medicaid but can help ICHRA participants understand whether their income might qualify them for public programs. Those not receiving an ICHRA should use Healthcare.gov or the NC Medicaid site to apply for subsidized or free coverage.

The best individual health insurance plans in North Carolina offer strong provider networks, reliable benefits, and value-driven pricing. Venteur enables employees with ICHRA benefits to explore a range of Bronze to Gold-level ACA-compliant plans through trusted carriers. With personalized support and AI-guided recommendations, Venteur helps users select the plan that fits their needs and budget.

The best insurance in North Carolina delivers comprehensive coverage and financial value. Venteur's ICHRA platform gives eligible employees access to individual plans from leading carriers, ensuring they can select a health plan that aligns with their health needs and financial situation, whether they live in Charlotte, Raleigh, Asheville, or elsewhere in the state.

The cheapest plans in North Carolina are often Bronze-tier individual market options, with premiums that vary based on age, zip code, and eligibility. Venteur helps ICHRA participants apply employer-set contributions toward these lower-cost plans. With side-by-side comparisons, employees can find competitively priced coverage that balances premiums, deductibles, and out-of-pocket costs.