Charlotte, North Carolina: health insurance
Charlotte is in Mecklenburg County. Here is what Charlotte residents should know about coverage.
Coverage in Charlotte
Charlotte has about 911,311 residents (U.S. Census Bureau 2023 estimate).
Plans for Charlotte residents are determined by Mecklenburg County, home to about 1,163,701 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Mecklenburg County before you choose it.
- Turning 65 in Charlotte? Your Initial Enrollment Period runs seven months around your birthday. SHIIP (Seniors' Health Insurance Information Program) offers free counseling at 855-408-1212.
- Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
- Medicaid questions? NC Medicaid (NC Department of Health and Human Services) handles applications.
North Carolina note: North Carolina began accepting Medicaid eligibility determinations from the federal Marketplace in February 2024, part of the state's continued rollout of Medicaid expansion -- an application that starts on HealthCare.gov can now route directly into NC Medicaid without a separate state application.
Colleges and universities near Charlotte
North Carolina public institutions include University of North Carolina at Chapel Hill, North Carolina State University, East Carolina University. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about North Carolina colleges.
Do Charlotte and Mecklenburg County have the same plans?
Plans are offered by service area, and Charlotte falls under Mecklenburg County. A plan that serves Mecklenburg County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Charlotte residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Other major North Carolina cities
- Raleigh
- Greensboro
- Durham
- Winston-Salem
- Fayetteville
- Cary
- Wilmington
- High Point
- Concord
- Asheville
- Greenville
- Gastonia
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.