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The Health Insurance Marketplace (HIM), or, serves as the hub for the government and its departments, the insurance companies, and consumers to work together under the Affordable Care Act (ACA). serves as the main health insurance exchange for most of the United States. North Carolina has not established a state exchange, so is the default health insurance marketplace exchange.

The official website of the Health Insurance Marketplace, or health insurance exchange, for North Carolina is is where eligible consumers may apply for tax credit subsidies to lower their monthly premiums, depending on family size and income. If someone is not receiving insurance or assistance paying for it from somewhere else already, and they have not declined group coverage, then they likely qualify for premium tax credits to lower their monthly premiums. The average consumer saves 76% per month.

Tax credit subsidies to lower monthly payments are only available through the Health Insurance Marketplace. Our help is always free.


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Hummingbird Insurance is located in Asheville, North Carolina. Our agents are available by appointment only. We look forward to hearing from you soon! ツ