What health insurance costs without a subsidy in Alamance County, North Carolina (2026)
In Alamance County, North Carolina, the benchmark silver plan costs $609.55/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $459.93 to $1199.11. A 60-year-old pays at least $976.71/month, a 21-year-old at least $359.88. 5 insurers offer 45 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $359.88/mo
- Age 40 — starting at $459.93/mo
- Age 60 — starting at $976.71/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $550.91/mo
- Silver — starting at $602.90/mo
- Gold — starting at $632.62/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
AmeriHealth Caritas Next, Blue Cross and Blue Shield of NC, Cigna Healthcare, Oscar Health Plan of North Carolina, Inc, UnitedHealthcare
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Alamance County (FIPS 37001).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in North Carolina
- Beaufort County — $844.92/mo benchmark
- Carteret County — $844.92/mo benchmark
- Craven County — $844.92/mo benchmark
- Dare County — $844.92/mo benchmark
- Hyde County — $844.92/mo benchmark
Plans available in this county (45)
- AmeriHealth Caritas Next Bronze Essential + No Referrals — Bronze · $550.91/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals — Bronze · $573.17/mo @ 40
- Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance — Expanded Bronze · $459.93/mo @ 40
- Blue Home Bronze Standard | with UNC Health Alliance — Expanded Bronze · $478.46/mo @ 40
- Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance — Expanded Bronze · $484.89/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $488.25/mo @ 40
- Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance — Expanded Bronze · $497.41/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $499.57/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $544.22/mo @ 40
- AmeriHealth Caritas Next Bronze Signature + No Referrals — Expanded Bronze · $557.10/mo @ 40
- AmeriHealth Caritas Next Bronze Premier + No Referrals — Expanded Bronze · $569.19/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $605.41/mo @ 40
- UHC Bronze Standard+ Dental + Vision (No Referrals) — Expanded Bronze · $628.01/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $629.50/mo @ 40
- Connect Bronze RD 6000 Indiv Med Deductible — Expanded Bronze · $798.07/mo @ 40
- Connect Bronze RD CMS Standard — Expanded Bronze · $799.61/mo @ 40
- Connect Bronze RD 5000 Indiv Med Deductible — Expanded Bronze · $813.41/mo @ 40
- Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance — Gold · $632.62/mo @ 40
- Blue Home Gold Standard A | with UNC Health Alliance — Gold · $639.05/mo @ 40
- Gold Classic Standard — Gold · $682.09/mo @ 40
- AmeriHealth Caritas Next Gold Signature + No Referrals — Gold · $745.92/mo @ 40
- AmeriHealth Caritas Next Gold Premier + No Referrals — Gold · $774.79/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Gold · $926.46/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $931.15/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) — Gold · $953.34/mo @ 40
- UHC Gold Advantage + ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) — Gold · $975.93/mo @ 40
- Connect Gold RD CMS Standard — Gold · $1199.11/mo @ 40
- Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance — Silver · $602.90/mo @ 40
- Blue Home Silver Standard | with UNC Health Alliance — Silver · $609.55/mo @ 40
- Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance — Silver · $623.18/mo @ 40
- Silver Simple PCP Saver — Silver · $625.12/mo @ 40
- Silver Classic Standard — Silver · $633.51/mo @ 40
- Silver Simple Diabetes — Silver · $634.42/mo @ 40
- Silver Classic — Silver · $641.87/mo @ 40
- AmeriHealth Caritas Next Silver Essential + No Referrals — Silver · $722.43/mo @ 40
- AmeriHealth Caritas Next Silver Signature + No Referrals — Silver · $728.62/mo @ 40
- AmeriHealth Caritas Next Silver Premier + No Referrals — Silver · $743.91/mo @ 40
- UHC Silver Value ($0 Virtual Urgent Care, No Referrals) — Silver · $835.38/mo @ 40
- UHC Silver Standard (No Referrals) — Silver · $836.94/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) — Silver · $846.94/mo @ 40
Showing first 40 of 45 plans on file.
Reviewed by Jason Burns, Editorial Steward.