What health insurance costs without a subsidy in Lincoln County, North Carolina (2026)
In Lincoln County, North Carolina, the benchmark silver plan costs $629.12/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $484.88 to $964.29. A 60-year-old pays at least $1029.70/month, a 21-year-old at least $379.41. 3 insurers offer 64 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 $379.41/mo
- Age 40 — starting at $484.88/mo
- Age 60 — starting at $1029.70/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $620.80/mo
- Gold — starting at $655.06/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $8,500
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter of North Carolina, Blue Cross and Blue Shield of NC, Oscar Health Plan of North Carolina, Inc
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 Lincoln County (FIPS 37109).
- 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 (64)
- Bronze Classic Standard | with Atrium Health — Expanded Bronze · $484.88/mo @ 40
- Everyday Bronze with Atrium Health — Expanded Bronze · $492.87/mo @ 40
- Bronze Simple Diabetes | with Atrium Health — Expanded Bronze · $494.58/mo @ 40
- Standard Expanded Bronze with Atrium Health — Expanded Bronze · $494.79/mo @ 40
- Bronze Classic 4700 | with Atrium Health — Expanded Bronze · $496.11/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health — Expanded Bronze · $497.48/mo @ 40
- Bronze Simple Chronic Care CKM | with Atrium Health — Expanded Bronze · $504.98/mo @ 40
- Everyday Bronze with Atrium Health + Vision + Adult Dental — Expanded Bronze · $509.46/mo @ 40
- Standard Expanded Bronze with Atrium Health + Vision + Adult Dental — Expanded Bronze · $511.43/mo @ 40
- Bronze Elite + PCP Saver Plus | with Atrium Health — Expanded Bronze · $540.46/mo @ 40
- Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors — Expanded Bronze · $549.80/mo @ 40
- Elite Bronze with Atrium Health — Expanded Bronze · $560.02/mo @ 40
- Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health — Expanded Bronze · $570.70/mo @ 40
- Blue Value Bronze Standard | Limited Statewide Doctors — Expanded Bronze · $571.98/mo @ 40
- Elite Bronze with Atrium Health + Vision + Adult Dental — Expanded Bronze · $578.86/mo @ 40
- Blue Value Bronze Complete | $60 PCP | $20 Tier 1 Rx | Limited Statewide Doctors — Expanded Bronze · $580.19/mo @ 40
- Blue Local Bronze Standard | with Atrium Health — Expanded Bronze · $593.82/mo @ 40
- Blue Value Bronze HSA Eligible | Integrated | Limited Statewide Doctors — Expanded Bronze · $595.04/mo @ 40
- Blue Local Bronze Complete | $60 PCP | $20 Tier 1 Rx | with Atrium Health — Expanded Bronze · $601.82/mo @ 40
- Blue Local Bronze HSA Eligible | Integrated | with Atrium Health — Expanded Bronze · $617.30/mo @ 40
- Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors — Expanded Bronze · $673.57/mo @ 40
- Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors — Expanded Bronze · $694.31/mo @ 40
- Blue Care Bronze Standard | Statewide Doctors — Expanded Bronze · $702.34/mo @ 40
- Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors — Expanded Bronze · $710.45/mo @ 40
- Blue Advantage Bronze Standard | Nationwide Doctors — Expanded Bronze · $722.02/mo @ 40
- Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors — Expanded Bronze · $728.26/mo @ 40
- Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors — Expanded Bronze · $732.18/mo @ 40
- Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors — Expanded Bronze · $750.57/mo @ 40
- Standard Gold with Atrium Health — Gold · $655.06/mo @ 40
- Standard Gold with Atrium Health + Vision + Adult Dental — Gold · $677.10/mo @ 40
- Gold Classic Standard | with Atrium Health — Gold · $677.37/mo @ 40
- Complete Gold with Atrium Health — Gold · $684.81/mo @ 40
- Complete Gold with Atrium Health + Vision + Adult Dental — Gold · $707.86/mo @ 40
- Blue Value Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Limited Statewide Doctors — Gold · $756.96/mo @ 40
- Blue Value Gold Standard A | Limited Statewide Doctors — Gold · $764.73/mo @ 40
- Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health — Gold · $785.06/mo @ 40
- Blue Local Gold Standard A | with Atrium Health — Gold · $792.99/mo @ 40
- Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors — Gold · $926.33/mo @ 40
- Blue Care Gold Standard A | Statewide Doctors — Gold · $937.92/mo @ 40
- Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors — Gold · $954.78/mo @ 40
Showing first 40 of 64 plans on file.
Reviewed by Jason Burns, Editorial Steward.