Health insurance in Durham County, North Carolina
3 insurers sell 31 marketplace plans here, and 10.1% 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
3 insurers sell marketplace plans in Durham County, offering 31 plans between them, roughly 10 each. The number has not changed since the previous plan year.
How many people here have no coverage
10.1% of Durham County's 277,010 under-65 residents have no health coverage — 28,017 people. That is close to the North Carolina rate of 10.2%, and puts Durham County in the middle half of the 1,817 counties on this site (1034th).
How much the marketplace is used
20,819 Durham County residents selected a marketplace plan for 2026: 75 per thousand under-65 residents, 1174th of 1,817. That is close to the 78 per thousand typical of published counties. 3,860 of them — 19% — were new rather than renewing.
Durham County against North Carolina
Durham County is the 5th largest of the 24 North Carolina counties we publish. Its uninsured rate tracks the state almost exactly and its 3 insurers sit between the state's 2 and 6. Marketplace use is close to the North Carolina rate.
| Durham County | North Carolina | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 10.1% | 10.2% | 9.9% |
| Insurers selling | 3 | 2–6 | 4 |
| Plans offered | 31 | — | 57 |
| Selections per 1,000 | 75 | 87 | 78 |
| New rather than renewing | 19% | 17% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Cumberland County | 273,024 | 8.8% | 4 | 56 |
| Forsyth County | 314,546 | 11.0% | 6 | 89 |
| Union County | 224,411 | 9.0% | 4 | 68 |
| Buncombe County | 213,948 | 11.7% | 5 | 59 |
Forsyth County has 6 insurers against this county's 3 — a reminder that the county line, not the state line, is what decides your options.
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