Health insurance in Cumberland County, North Carolina
4 insurers sell 56 marketplace plans here, and 8.8% of under-65 residents have no coverage at all.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release.
Who sells here, and how much choice that gives
4 insurers sell marketplace plans in Cumberland County, offering 56 plans between them, roughly 14 each. The number has not changed since the previous plan year.
How many people here have no coverage
8.8% of Cumberland County's 273,024 under-65 residents have no health coverage — 24,103 people. That is close to the North Carolina rate of 10.2%, and puts Cumberland County in the middle half of the 1,817 counties on this site (1281st).
A market taking in new buyers
20,816 Cumberland County residents selected a marketplace plan for 2026: 76 per thousand under-65 residents, 1158th of 1,817. That is close to the 78 per thousand typical of published counties. 4,704 — 23% — were new rather than renewing, an unusually high share.
Cumberland County against North Carolina
Cumberland County is the 6th largest of the 24 North Carolina counties we publish. Its uninsured rate runs 1.4 points lower than North Carolina overall and its 4 insurers sit between the state's 2 and 6. Marketplace use is close to the North Carolina rate.
| Cumberland County | North Carolina | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 8.8% | 10.2% | 9.9% |
| Insurers selling | 4 | 2–6 | 4 |
| Plans offered | 56 | — | 57 |
| Selections per 1,000 | 76 | 87 | 78 |
| New rather than renewing | 23% | 17% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Durham County | 277,010 | 10.1% | 3 | 31 |
| Forsyth County | 314,546 | 11.0% | 6 | 89 |
| Union County | 224,411 | 9.0% | 4 | 68 |
| Buncombe County | 213,948 | 11.7% | 5 | 59 |
| Lancaster County (Nebraska) | 271,012 | 7.6% | 5 | 84 |
Forsyth County has 6 insurers against this county's 4 — a reminder that the county line, not the state line, is what decides your options.
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