The Health Insurance Marketplace (HIM), or healthcare.gov, serves as the hub for the government and its departments, the insurance companies, and consumers to work together under the Affordable Care Act (ACA). Healthcare.gov serves as the main health insurance exchange for most of the United States. North Carolina has not established a state exchange, so healthcare.gov is the default health insurance marketplace exchange.
Healthcare.gov 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.
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Products from Blue Cross and Blue Shield of North Carolina® (BCBSNC) are only available to North Carolina residents and employers.
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