Medicare Advantage Plans in North Carolina
Compare 155 Medicare Advantage plans available across 100 counties in North Carolina for 2026. Review premiums, benefits, Star Ratings, and local availability before you choose what to compare next.
Not sure where to start?
Answer the “Should I Switch?” questionnaire first.
In about 3 minutes, Medicare Choose can help you review your county, prescriptions, priorities, and whether it makes sense to stay put, compare alternatives, or talk with a licensed agent.
Compare 2026 North Carolina Medicare Advantage options by county
North Carolina has a mix of large metro counties, mountain communities, coastal markets, and rural service areas. The right comparison starts locally because carrier participation and networks change by county.
For North Carolina Medicare Advantage plans, review provider networks around your doctors and hospitals, drug tiers, prior authorization rules, and the plan's maximum out-of-pocket limit.
Do not compare North Carolina plans by premium alone. A $0 premium plan can still differ meaningfully on prescriptions, specialist access, referrals, and annual out-of-pocket exposure.
What to compare first
- Monthly premium and estimated prescription costs
- Whether your doctors, hospitals, and pharmacies are in network
- Dental, vision, hearing, fitness, and transportation benefits
- Maximum out-of-pocket limit for medical care
- Star Ratings, referrals, and prior authorization requirements
Total Plans
155
Avg. Monthly Premium
$19.07
With Dental
98%
With Vision
99%
Counts include Medicare Advantage plans with and without drug coverage and Special Needs Plans, which have additional eligibility requirements. Stand-alone Part D and Medicare Cost plans are excluded.Each plan is counted once statewide and once in each county it serves. Average premium uses the 155 plans with a reported premium; missing prices are excluded. Benefit percentages show the share of all listed plans with that benefit confirmed in our data; missing benefit data does not mean a benefit is unavailable. Check your county and the plan details before comparing options.
Top-Rated Plans in North Carolina
NHC Advantage
Devoted Health
Devoted Health
Devoted Health
UnitedHealthcare
Detailed North Carolina Plan Pages to Explore
These plan-code pages provide detailed 2026 CMS data and county service-area links.Inclusion is not a recommendation, and availability depends on your county and eligibility.
Browse by County
Medicare Advantage availability is county-specific. Start with your county below, or use the ZIP-code flow to narrow the list to plans available where you live.
North Carolina Counties with the Most Plan Options
Learn How to Compare Plans
What a Medicare Plan ID Means
Learn how plan codes like H7617-111 help identify the exact Medicare Advantage or Part D plan you are comparing.
Read guide →How to Compare Medicare Advantage Plans in 2026
Use a simple checklist for premiums, prescriptions, doctors, benefits, ratings, and out-of-pocket exposure.
Read guide →Medicare Advantage vs Medicare Supplement
Compare bundled plan coverage with Original Medicare plus Supplement coverage.
Read guide →Medicare Advantage HMO vs PPO
Understand how plan type affects networks, referrals, flexibility, and out-of-network costs.
Read guide →What Medicare Star Ratings Mean
Learn how to use Star Ratings as one quality signal without ignoring local fit and drug coverage.
Read guide →Frequently Asked Questions About North Carolina Medicare Advantage Plans
Are Medicare Advantage plans the same in every North Carolina county?
No. Plan availability, networks, premiums, and benefits can change by county. Always compare using your ZIP code or county before relying on a statewide list.
What does Medicare Choose help me compare?
Medicare Choose helps organize public plan data around premiums, plan type, benefits, Star Ratings, drug coverage signals, and local availability so you can decide what deserves a closer look.
Should I pick the plan with the most extra benefits?
Not automatically. Extra benefits matter, but you should also review doctors, hospitals, prescriptions, maximum out-of-pocket limits, and how the plan works for your care routine.
Can a licensed agent help me compare North Carolina plans?
Yes. A licensed Medicare agent can explain plan tradeoffs, confirm network and prescription details, and help you enroll if you choose a plan. Medicare Choose can help you find local agent options.
Find Plans in Your Area
Enter your ZIP code to see all Medicare Advantage plans available where you live.
Enter Your ZIP CodeTalk to a Licensed Agent
Find a licensed Medicare agent in North Carolina who can help you choose the right plan.
Find an Agent in North CarolinaWe do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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