What health insurance costs without a subsidy in Person County, North Carolina (2026)
In Person 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 39 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 $550.91/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, AmeriHealth Caritas Next, 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.
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 Person County (FIPS 37145).
- 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 (39)
- AmeriHealth Caritas Next Bronze Essential + No Referrals — Bronze · $550.91/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
- AmeriHealth Caritas Next Bronze Signature + No Referrals — Expanded Bronze · $557.10/mo @ 40
- AmeriHealth Caritas Next Bronze Premier + No Referrals — Expanded Bronze · $569.19/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $574.57/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
- AmeriHealth Caritas Next Gold Signature + No Referrals — Gold · $745.92/mo @ 40
- AmeriHealth Caritas Next Gold Premier + No Referrals — Gold · $774.79/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
- AmeriHealth Caritas Next Silver Essential + No Referrals — Silver · $722.43/mo @ 40
- AmeriHealth Caritas Next Silver Signature + No Referrals — Silver · $728.62/mo @ 40
- AmeriHealth Caritas Next Silver Premier + No Referrals — Silver · $743.91/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.