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North Carolina health plans

Looking for low-cost or no-cost health insurance? We offer Medicaid plans. We also offer dual health plans for people with both Medicaid and Medicare.

For general information about the plans in your state, visit North Carolina's Medicaid and Exchange homepage.

8  results  for North Carolina

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2024 UHC Dual Complete NC-S001 (PPO D-SNP)

H1889-005-000

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility. 


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This is a Preferred Provider Organization (PPO) plan. You have access to a local network of doctors and hospitals. Plus, you can see any provider outside the network nationwide that participates in Medicare and accepts the plan. You may pay a higher copay or coinsurance when you see an out-of-network provider.

Alamance, Alexander, Alleghany, Anson, Ashe, Avery, Beaufort, Bertie, Bladen, Brunswick, Buncombe, Burke, Cabarrus, Caldwell, Camden, Carteret, Caswell, Catawba, Chatham, Cherokee, Chowan, Clay, Cleveland, Columbus, Craven, Cumberland, Currituck, Dare, Davidson, Davie, Duplin, Durham, Edgecombe, Forsyth, Franklin, Gaston, Gates, Graham, Granville, Greene, Guilford, Halifax, Harnett, Haywood, Henderson, Hertford, Hoke, Hyde, Iredell, Jackson, Johnston, Jones, Lee, Lenoir, Lincoln, Macon, Madison, Martin, McDowell, Mecklenburg, Mitchell, Montgomery, Moore, Nash, Northampton, Onslow, Orange, Pamlico, Pasquotank, Pender, Perquimans, Person, Pitt, Polk, Randolph, Richmond, Robeson, Rockingham, Rowan, Rutherford, Sampson, Scotland, Stanly, Stokes, Surry, Swain, Transylvania, Tyrrell, Union, Vance, Wake, Warren, Washington, Watauga, Wayne, Wilkes, Wilson, Yadkin, and Yancey.

Benefits & Features

  • Food, OTC and Utilities

    $301 credit every month to pay for healthy food, OTC products and utility bills

  • Dental benefits

    $3500 allowance for covered preventive and comprehensive dental services

  • Prescription drug coverage

    $0 copay for generic and brand-name prescriptions including Optum® Home Delivery

2024 UHC Dual Complete NC-D001 (HMO-POS D-SNP)

H5253-041-000

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility.


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.

Alamance, Alexander, Anson, Bertie, Bladen, Buncombe, Burke, Cabarrus, Caldwell, Caswell, Catawba, Chatham, Cherokee, Chowan, Cleveland, Columbus, Cumberland, Dare, Davidson, Davie, Durham, Edgecombe, Forsyth, Gaston, Greene, Guilford, Haywood, Henderson, Hoke, Iredell, Jackson, Johnston, Lee, Lincoln, Macon, Madison, Martin, McDowell, Mecklenburg, Mitchell, Moore, Nash, Orange, Perquimans, Person, Pitt, Polk, Randolph, Richmond, Rockingham, Rowan, Rutherford, Stanly, Stokes, Surry, Transylvania, Union, Wake, Wayne, Wilkes, Wilson, Yadkin, and Yancey.

Benefits & Features

  • Food, OTC and Utilities

    $326 credit every month to pay for healthy food, OTC products and utility bills

  • Dental benefits

    $4000 allowance for covered preventive and comprehensive dental services

  • Prescription drug coverage

    $0 copay for generic and brand-name prescriptions including Optum® Home Delivery

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2024 UHC Dual Complete NC-V001 (HMO-POS D-SNP)

H5253-116-000

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility.


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.

Alamance, Alexander, Anson, Bertie, Bladen, Buncombe, Burke, Cabarrus, Caldwell, Caswell, Catawba, Chatham, Cherokee, Chowan, Cleveland, Columbus, Cumberland, Dare, Davidson, Davie, Durham, Edgecombe, Forsyth, Gaston, Greene, Guilford, Haywood, Henderson, Hoke, Iredell, Jackson, Johnston, Lee, Lincoln, Macon, Madison, Martin, McDowell, Mecklenburg, Mitchell, Moore, Nash, Orange, Perquimans, Person, Pitt, Polk, Randolph, Richmond, Rockingham, Rowan, Rutherford, Stanly, Stokes, Surry, Transylvania, Union, Wake, Wayne, Wilkes, Wilson, Yadkin, and Yancey.

Benefits & Features

  • Food, OTC and Utilities

    $72 credit every month to pay for healthy food, OTC products and utility bills

  • Dental benefits

    $1000 dental allowance for covered services like cleanings, fillings and crowns

  • Prescription drug coverage

    $0 copay for generic and brand-name prescriptions including Optum® Home Delivery

2023 UnitedHealthcare Dual Complete® Choice (PPO D-SNP)

H1889-005-000

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility. 


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This is a Preferred Provider Organization (PPO) plan. You have access to a local network of doctors and hospitals. Plus, you can see any provider outside the network nationwide that participates in Medicare and accepts the plan. You may pay a higher copay or coinsurance when you see an out-of-network provider.

Alamance, Alexander, Alleghany, Anson, Ashe, Avery, Beaufort, Bertie, Bladen, Brunswick, Buncombe, Burke, Cabarrus, Caldwell, Camden, Carteret, Caswell, Catawba, Chatham, Cherokee, Chowan, Clay, Cleveland, Columbus, Craven, Cumberland, Currituck, Dare, Davidson, Davie, Duplin, Durham, Edgecombe, Forsyth, Franklin, Gaston, Gates, Graham, Granville, Greene, Guilford, Halifax, Harnett, Haywood, Henderson, Hertford, Hoke, Hyde, Iredell, Jackson, Johnston, Jones, Lee, Lenoir, Lincoln, Macon, Madison, Martin, McDowell, Mecklenburg, Mitchell, Montgomery, Moore, Nash, Northampton, Onslow, Orange, Pamlico, Pasquotank, Pender, Perquimans, Person, Pitt, Polk, Randolph, Richmond, Robeson, Rockingham, Rowan, Rutherford, Sampson, Scotland, Stanly, Stokes, Surry, Swain, Transylvania, Tyrrell, Union, Vance, Wake, Warren, Washington, Watauga, Wayne, Wilkes, Wilson, Yadkin, and Yancey.

Benefits & Features

  • Food, OTC, Utilities

    $280 a month to buy healthy food and OTC products or pay utility bills

  • Prescription drug coverage

    $0 copay on covered generic and brand-name prescriptions including home delivery

  • Dental benefits

    Up to $3500 for covered types of preventive and comprehensive dental

2023 UnitedHealthcare Dual Complete® (HMO-POS D-SNP)

H5253-041-000

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility.


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.

Alamance, Alexander, Anson, Bertie, Bladen, Buncombe, Burke, Cabarrus, Caldwell, Caswell, Catawba, Chatham, Cherokee, Chowan, Cleveland, Columbus, Cumberland, Dare, Davidson, Davie, Durham, Edgecombe, Forsyth, Gaston, Greene, Guilford, Haywood, Henderson, Hoke, Iredell, Jackson, Johnston, Lee, Lincoln, Macon, Madison, Martin, McDowell, Mecklenburg, Mitchell, Moore, Nash, Orange, Perquimans, Person, Pitt, Polk, Randolph, Richmond, Rockingham, Rowan, Rutherford, Stanly, Stokes, Surry, Transylvania, Union, Wake, Wayne, Wilkes, Wilson, Yadkin, and Yancey.

Benefits & Features

  • Food, OTC, Utilities

    $305 a month to buy healthy food and OTC products or pay utility bills

  • Dental benefits

    Up to $4000 for covered types of preventive and comprehensive dental

  • Prescription drug coverage

    $0 copay on covered generic and brand-name prescriptions including home delivery

2023 UnitedHealthcare Dual Complete® Select (HMO-POS D-SNP)

H5253-116-000

Monthly premium: $0.00*

* Your costs may be as low as $0, depending on your level of Medicaid eligibility.


This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).

This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.

Alamance, Alexander, Anson, Bertie, Bladen, Buncombe, Burke, Cabarrus, Caldwell, Caswell, Catawba, Chatham, Cherokee, Chowan, Cleveland, Columbus, Cumberland, Dare, Davidson, Davie, Durham, Edgecombe, Forsyth, Gaston, Greene, Guilford, Haywood, Henderson, Hoke, Iredell, Jackson, Johnston, Lee, Lincoln, Macon, Madison, Martin, McDowell, Mecklenburg, Mitchell, Moore, Nash, Orange, Perquimans, Person, Pitt, Polk, Randolph, Richmond, Rockingham, Rowan, Rutherford, Stanly, Stokes, Surry, Transylvania, Union, Wake, Wayne, Wilkes, Wilson, Yadkin, and Yancey.

Benefits & Features

  • Food, OTC, Utilities

    $55 a month to buy healthy food and OTC products or pay utility bills

  • Prescription drug coverage

    $0 copay on covered generic and brand-name prescriptions including home delivery

  • Dental benefits

    Up to $1000 for covered types of preventive and comprehensive dental

UnitedHealthcare Community Plan Medicaid


UnitedHealthcare Community Plan of North Carolina provides Medicaid coverage to children, pregnant women, families and adults. You can choose your own doctor, and get many extras that other plans don’t offer.

Alamance, Alexander, Alleghany, Anson, Ashe, Avery, Beaufort, Bertie, Bladen, Brunswick, Buncombe, Burke, Cabarrus, Caldwell, Camden, Carteret, Caswell, Catawba, Chatham, Cherokee, Chowan, Clay, Cleveland, Columbus, Craven, Cumberland, Currituck, Dare, Davidson, Davie, Duplin, Durham, Edgecombe, Forsyth, Franklin, Gaston, Gates, Graham, Granville, Greene, Guilford, Halifax, Harnett, Haywood, Henderson, Hertford, Hoke, Hyde, Iredell, Jackson, Johnston, Jones, Lee, Lenoir, Lincoln, Macon, Madison, Martin, McDowell, Mecklenburg, Mitchell, Montgomery, Moore, Nash, New Hanover, Northampton, Onslow, Orange, Pamlico, Pasquotank, Pender, Perquimans, Person, Pitt, Polk, Randolph, Richmond, Robeson, Rockingham, Rowan, Rutherford, Sampson, Scotland, Stanly, Stokes, Surry, Swain, Transylvania, Tyrrell, Union, Vance, Wake, Warren, Washington, Watauga, Wayne, Wilkes, Wilson, Yadkin, and Yancey.

Benefits & Features

  • Choice of Doctor

    Use Doctor Lookup tool to see if your doctor is in our network or to find a new one.

  • Medicines

    Fill your prescriptions at local pharmacies.

  • Transportation

    We pay for rides to and from medical visits.

Individual & Family ACA Marketplace Plans


UnitedHealthcare offers Individual & Family ACA Marketplace plans in North Carolina. They’re designed to give you the coverage you need without breaking the bank.

Choose from plans in the Bronze, Silver and Gold metal levels. They each come with a variety of benefits, including reliable support from our customer service experts.

Alexander, Bladen, Brunswick, Buncombe, Burke, Caldwell, Catawba, Columbus, Cumberland, Davidson, Davie, Duplin, Forsyth, Franklin, Guilford, Harnett, Haywood, Henderson, Hoke, Iredell, Jackson, Johnston, McDowell, Mecklenburg, New Hanover, Orange, Pender, Randolph, Richmond, Robeson, Rockingham, Rutherford, Sampson, Scotland, Stokes, Surry, Transylvania, Wake, and Yadkin.

Benefits & Features

  • Low cost primary care

    Get unlimited low-cost primary care visits with your primary care provider (PCP) for things like checkups and managing certain chronic conditions. 

  • $0 virtual urgent care available 24/7

    Get the care you need with $0 virtual urgent care visits from Optum Virtual Care.1

  • $5 or lower Tier 2 generic medications

    You can visit any network pharmacy for Tier 2 prescriptions and pay $5 or less. Plus, get 20% off Walgreens brand health and wellness products. And enjoy getting your maintenance prescriptions delivered right to your door with home delivery at no additional cost for a 3 month supply.2