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How to Receive Low-Income Health Insurance in North Carolina

In North Carolina, securing affordable health insurance is a priority for everyone, particularly those who need to keep track of every dollar. Understanding the qualifications for paying little to nothing for healthcare under the Affordable Care Act (ACA) is crucial for maximizing your benefits and ensuring you and your family are protected. Here’s a comprehensive guide to help you navigate the process of receiving low-income health insurance in North Carolina. For more personalized assistance, give us a call today!

How to Receive Low-Income Health Insurance in North Carolina

If you reside in North Carolina, including areas like Durham, you may be eligible for ACA coverage if you meet specific criteria. The first set of qualifications revolves around your residency and legal status:

Residency: You must live in the United States.
Citizenship or Legal Presence: You need to be a U.S. citizen, U.S. national, or lawfully present in the United States.
Incarceration Status: You must not be incarcerated.
Current Coverage: You should not be covered by Medicare or Medicaid.

For non-U.S. citizens who are lawfully present, eligibility extends to a variety of immigration statuses including lawful permanent residents, refugees, asylees, and more. Such individuals can also qualify for ACA plans, ensuring a broad coverage net for many different residents of North Carolina.

Financial Qualifications

The ACA makes provisions for significant financial support to low-income individuals and families. This support is primarily available through the Advanced Premium Tax Credit, which can reduce the cost of your monthly insurance premium. To qualify for this subsidy, your household income must be between 100% and 400% of the Federal Poverty Level (FPL). This range ensures that the assistance scales based on financial need, extending more substantial help to those at the lower end of the income spectrum.

The American Rescue Act of 2021 has further increased the savings available, making it possible for more people than ever to qualify for $0 premium coverage or coverage at a very low cost.

Enrollment Periods

Enrolling in ACA plans can generally be done during the Open Enrollment Period at the end of each year. However, life events such as changes in marital status, household income, or loss of healthcare coverage can qualify you for a Special Enrollment Period. This allows you to enroll outside the typical Open Enrollment window, ensuring that coverage is accessible when needed most. Speak with a ClearBenefits agent for more personalized help with finding new low-cost healthcare plan.

Why Choose ClearBenefits?

Navigating the landscape of low-income health insurance can be complex, but with ClearBenefits, you don’t have to go it alone. ClearBenefits provides 100% accurate quotes on low-income health insurance in North Carolina and beyond. Whether you’re evaluating your eligibility during Open Enrollment or you’ve experienced a life event that qualifies you for a Special Enrollment Period, ClearBenefits offers expertise that is accessible year-round—not just during enrollment season.

Our industry-leading customer service team is dedicated to helping you understand the details of your coverage options, ensuring you make the best decisions for your health and financial well-being. At ClearBenefits, we believe in making healthcare accessible and affordable for everyone, regardless of income. Speak to a ClearBenefits agent today to learn more about how we can help you secure the coverage you need for a healthier tomorrow.

You deserve great healthcare you can afford!


More than 85% of our customers pay $0 for healthcare coverage. 

We have over 20 years of experience in the Health Insurance Industry. We have helped thousands of customers with their Major Medical, Medicare, Disability, Life, Dental and Vision insurance needs. Contact us at 919-493-4272 or take 60 seconds to get free assistance with your healthcare needs.

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