What health insurance costs without a subsidy in Orange County, North Carolina (2026)
In Orange 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. 4 insurers offer 44 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 $573.17/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
Ambetter of North Carolina, Blue Cross and Blue Shield of NC, Cigna Healthcare, 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 Orange County (FIPS 37135).
- 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 (44)
- 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
- Everyday Bronze — Expanded Bronze · $489.22/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $491.12/mo @ 40
- Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance — Expanded Bronze · $497.41/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $505.68/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $507.64/mo @ 40
- Elite Bronze — Expanded Bronze · $555.87/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $574.57/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
- Standard Gold — Gold · $650.20/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $672.08/mo @ 40
- Complete Gold — Gold · $679.74/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $702.61/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
- Clear Silver with $0 Insulin Options — Silver · $628.76/mo @ 40
- Standard Silver — Silver · $628.96/mo @ 40
- Enhanced Asthma/COPD Care Silver with $0 Drug Options — Silver · $645.39/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $650.12/mo @ 40
- Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental — Silver · $667.11/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
- UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Silver · $857.98/mo @ 40
Showing first 40 of 44 plans on file.
Reviewed by Jason Burns, Editorial Steward.