What ACA marketplace plans are available in Charlotte, North Carolina in 2026?
Charlotte, North Carolina (population 903,844), covering ZIP codes 28201, 28202, 28203, 28204, 28205 and 69 more sits in Mecklenburg County, where 81 ACA marketplace plans from 5 insurers are available in 2026 with a benchmark (second-lowest-cost silver) plan at $583 per month for a 40-year-old. 2027 plans for Mecklenburg County are now available — to compare them and enroll, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
Updated July 23, 2026 · Reviewed by Jason Burns, Editorial Steward
Reviewed by Heather Fabrizio, licensed in North Carolina (License #20983651) · reviewed Jul 25, 2026
Three lowest-cost silver plans at age 40
- Oscar Health Plan of North Carolina, Inc — Silver Simple PCP Saver | with Atrium Health · $575.12/mo · deductible $5,500 · MOOP $9,900
- Oscar Health Plan of North Carolina, Inc — Silver Classic Standard | with Atrium Health · $582.84/mo · deductible $6,000 · MOOP $8,900
- Oscar Health Plan of North Carolina, Inc — Silver Simple Diabetes | with Atrium Health · $583.68/mo · deductible $6,500 · MOOP $10,000
See the Charlotte city page with stats and ZIP codes →
Source: PY2026 QHP Landscape, Individual Market Medical (CMS Public Use File, released May 2026).