What health insurance costs without a subsidy in Chatham County, North Carolina (2026)
In Chatham 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. 2 insurers offer 16 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)
- Silver — starting at $602.90/mo
- Gold — starting at $632.62/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $1,800 to $8,500
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Blue Cross and Blue Shield of NC, Cigna Healthcare
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 Chatham County (FIPS 37037).
- 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 (16)
- 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
- Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance — Expanded Bronze · $497.41/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
- 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
- Connect Silver RD 5000 Indiv Med Deductible — Silver · $991.38/mo @ 40
- Connect Silver RD CMS Standard — Silver · $996.46/mo @ 40
- Connect Silver RD 3500 Indiv Med Deductible — Silver · $999.29/mo @ 40
Reviewed by Jason Burns, Editorial Steward.