What health insurance costs without a subsidy in Northampton County, North Carolina (2026)
In Northampton County, North Carolina, the benchmark silver plan costs $836.64/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $629.91 to $1041.65. A 60-year-old pays at least $1337.70/month, a 21-year-old at least $492.89. 2 insurers offer 28 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 $492.89/mo
- Age 40 — starting at $629.91/mo
- Age 60 — starting at $1337.70/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $825.51/mo
- Gold — starting at $866.29/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $1,500 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 Northampton County (FIPS 37131).
- 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 (28)
- Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors — Expanded Bronze · $629.91/mo @ 40
- Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors — Expanded Bronze · $649.31/mo @ 40
- Blue Care Bronze Standard | Statewide Doctors — Expanded Bronze · $656.82/mo @ 40
- Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors — Expanded Bronze · $664.41/mo @ 40
- Blue Advantage Bronze Standard | Nationwide Doctors — Expanded Bronze · $675.22/mo @ 40
- Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors — Expanded Bronze · $681.06/mo @ 40
- Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors — Expanded Bronze · $684.71/mo @ 40
- Connect Bronze 5500 Indiv Med Deductible — Expanded Bronze · $692.83/mo @ 40
- Connect Bronze CMS Standard — Expanded Bronze · $693.44/mo @ 40
- Connect Bronze 6500 Indiv Med Deductible — Expanded Bronze · $696.71/mo @ 40
- Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors — Expanded Bronze · $701.93/mo @ 40
- Connect myDiabetesCare Bronze — Expanded Bronze · $702.55/mo @ 40
- Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors — Gold · $866.29/mo @ 40
- Blue Care Gold Standard A | Statewide Doctors — Gold · $877.14/mo @ 40
- Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors — Gold · $892.90/mo @ 40
- Blue Advantage Gold Standard A | Nationwide Doctors — Gold · $901.80/mo @ 40
- Connect Gold CMS Standard — Gold · $1039.91/mo @ 40
- Connect Gold 1500 Indiv Med Deductible — Gold · $1041.65/mo @ 40
- Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors — Silver · $825.51/mo @ 40
- Blue Care Silver Standard | Statewide Doctors — Silver · $836.64/mo @ 40
- Blue Advantage Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Nationwide Doctors — Silver · $850.88/mo @ 40
- Blue Care Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Statewide Doctors — Silver · $853.38/mo @ 40
- Blue Advantage Silver Standard | Nationwide Doctors — Silver · $860.08/mo @ 40
- Connect Silver 5000 Indiv Med Deductible — Silver · $862.22/mo @ 40
- Connect Silver 3600 Indiv Med Deductible — Silver · $863.86/mo @ 40
- Connect Silver CMS Standard — Silver · $864.17/mo @ 40
- Connect myDiabetesCare Silver — Silver · $873.99/mo @ 40
- Blue Advantage Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Nationwide Doctors — Silver · $879.58/mo @ 40
Reviewed by Jason Burns, Editorial Steward.