What health insurance costs without a subsidy in Mecklenburg County, North Carolina (2026)
In Mecklenburg County, North Carolina, the benchmark silver plan costs $582.84/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $446.85 to $1075.02. A 60-year-old pays at least $948.95/month, a 21-year-old at least $349.65. 5 insurers offer 81 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 $349.65/mo
- Age 40 — starting at $446.85/mo
- Age 60 — starting at $948.95/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $631.36/mo
- Silver — starting at $575.12/mo
- Gold — starting at $614.67/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
Ambetter of North Carolina, 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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Mecklenburg County (FIPS 37119).
- 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 (81)
- UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals — Bronze · $631.36/mo @ 40
- Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Novant Health — Expanded Bronze · $446.85/mo @ 40
- Bronze Classic Standard | with Atrium Health — Expanded Bronze · $449.20/mo @ 40
- Bronze Simple Diabetes | with Atrium Health — Expanded Bronze · $458.19/mo @ 40
- Bronze Classic 4700 | with Atrium Health — Expanded Bronze · $459.61/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health — Expanded Bronze · $460.88/mo @ 40
- Everyday Bronze with Atrium Health — Expanded Bronze · $464.33/mo @ 40
- Blue Home Bronze Standard | with Novant Health — Expanded Bronze · $464.89/mo @ 40
- Standard Expanded Bronze with Atrium Health — Expanded Bronze · $466.14/mo @ 40
- Bronze Simple Chronic Care CKM | with Atrium Health — Expanded Bronze · $467.82/mo @ 40
- Everyday Bronze with Atrium Health + Vision + Adult Dental — Expanded Bronze · $479.96/mo @ 40
- Standard Expanded Bronze with Atrium Health + Vision + Adult Dental — Expanded Bronze · $481.82/mo @ 40
- Bronze Elite + PCP Saver Plus | with Atrium Health — Expanded Bronze · $500.69/mo @ 40
- Elite Bronze with Atrium Health — Expanded Bronze · $527.59/mo @ 40
- Elite Bronze with Atrium Health + Vision + Adult Dental — Expanded Bronze · $545.34/mo @ 40
- Connect Bronze 5500 Indiv Med Deductible — Expanded Bronze · $547.97/mo @ 40
- Connect Bronze CMS Standard — Expanded Bronze · $548.45/mo @ 40
- Connect Bronze 6500 Indiv Med Deductible — Expanded Bronze · $551.04/mo @ 40
- Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health — Expanded Bronze · $554.84/mo @ 40
- Connect myDiabetesCare Bronze — Expanded Bronze · $555.65/mo @ 40
- Blue Local Bronze Standard | with Atrium Health — Expanded Bronze · $577.32/mo @ 40
- Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors — Expanded Bronze · $654.86/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $666.88/mo @ 40
- Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors — Expanded Bronze · $675.03/mo @ 40
- Blue Care Bronze Standard | Statewide Doctors — Expanded Bronze · $682.82/mo @ 40
- Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors — Expanded Bronze · $690.72/mo @ 40
- UHC Bronze Standard+ Dental + Vision (No Referrals) — Expanded Bronze · $691.77/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $693.41/mo @ 40
- Blue Advantage Bronze Standard | Nationwide Doctors — Expanded Bronze · $701.97/mo @ 40
- Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors — Expanded Bronze · $708.02/mo @ 40
- Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors — Expanded Bronze · $711.83/mo @ 40
- Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors — Expanded Bronze · $729.73/mo @ 40
- Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Novant Health — Gold · $614.67/mo @ 40
- Standard Gold with Atrium Health — Gold · $617.13/mo @ 40
- Blue Home Gold Standard A | with Novant Health — Gold · $620.88/mo @ 40
- Gold Classic Standard | with Atrium Health — Gold · $627.54/mo @ 40
- Standard Gold with Atrium Health + Vision + Adult Dental — Gold · $637.89/mo @ 40
- Complete Gold with Atrium Health — Gold · $645.16/mo @ 40
- Complete Gold with Atrium Health + Vision + Adult Dental — Gold · $666.87/mo @ 40
- Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health — Gold · $763.26/mo @ 40
Showing first 40 of 81 plans on file.
Reviewed by Jason Burns, Editorial Steward.