Head-to-head, from CMS Plan Year 2026 data.
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Florida is the cheaper of the two: a 40-year-old pays about $789/month for the median Silver plan, versus $828 — a difference of $39/month (5%) before subsidies.
| Florida | North Carolina | |
|---|---|---|
| Median Silver @40 | $789 | $828 |
| Cheapest Silver @40 | $554 | $540 |
| Most expensive county @40 | $2,203 | $1,128 |
| Age 27 | $454 | $443 |
| Age 60 | $1,177 | $1,147 |
| Carriers | 15 | 6 |
| Counties | 67 | 100 |
| 1-carrier counties | 1 | 0 |
| Plan types | EPO, HMO, POS, PPO | EPO, HMO, POS, PPO |
Source: CMS Plan Year 2026 Qualified Health Plan Landscape. Full-price filed rates before premium tax credits; not a quote or an offer of coverage.
This page sets two states against each other. For county-by-county carriers, plan data and help actually enrolling, I publish a page for each state on Coverage by County: Florida or North Carolina. There is also a blog covering deductibles, subsidies and special enrollment periods.
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
You do not have to wait for the next open enrollment. A permanent move between these two opens a 60-day special enrollment period from the day you arrive, which is the window in which you would pick from the 6 carriers writing across North Carolina’s 100 counties. Watch the fine print: qualifying coverage for at least one day in the preceding 60 is generally required, and a move for medical care or a vacation does not count.
Nothing transfers. You close the Florida plan and enroll fresh against North Carolina’s 100 counties, which means a new network and a new price regardless of which insurer you land on.
Some continuity is possible: AmeriHealth Caritas Next, Cigna Healthcare and UnitedHealthcare file in both, out of 15 in Florida and 6 in North Carolina. Same company is easier paperwork, but it is a different plan on a different network at a different price.
PPO coverage is patchy: 67 of 67 Florida counties and 90 of 100 in North Carolina. Because the PPO is the type most likely to pay out of network, whether one is sold in your particular county matters more here than either state average.
Only one of the two can be your plan state. Marketplace eligibility runs on primary residence, so if you file from Florida the North Carolina care is the out-of-network half, and the reverse if you file from North Carolina.
Neither Florida nor North Carolina has one price. Give me a ZIP and I will pull the plans in that county and work out what help you qualify for.