What health insurance costs without a subsidy in Randolph County, North Carolina (2026)
In Randolph County, North Carolina, the benchmark silver plan costs $548.04/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $421.96 to $1092.44. A 60-year-old pays at least $896.09/month, a 21-year-old at least $330.18. 5 insurers offer 75 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 $330.18/mo
- Age 40 — starting at $421.96/mo
- Age 60 — starting at $896.09/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $460.27/mo
- Silver — starting at $542.49/mo
- Gold — starting at $560.81/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, 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 Randolph County (FIPS 37151).
- 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 (75)
- AmeriHealth Caritas Next Bronze Essential + No Referrals — Bronze · $460.27/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals — Bronze · $641.59/mo @ 40
- Everyday Bronze with Atrium Health — Expanded Bronze · $421.96/mo @ 40
- Standard Expanded Bronze with Atrium Health — Expanded Bronze · $423.60/mo @ 40
- Everyday Bronze with Atrium Health + Vision + Adult Dental — Expanded Bronze · $436.16/mo @ 40
- Standard Expanded Bronze with Atrium Health + Vision + Adult Dental — Expanded Bronze · $437.85/mo @ 40
- Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health — Expanded Bronze · $464.03/mo @ 40
- AmeriHealth Caritas Next Bronze Signature + No Referrals — Expanded Bronze · $465.44/mo @ 40
- AmeriHealth Caritas Next Bronze Premier + No Referrals — Expanded Bronze · $475.54/mo @ 40
- Elite Bronze with Atrium Health — Expanded Bronze · $479.45/mo @ 40
- Blue Local Bronze Standard | with Atrium Health — Expanded Bronze · $482.79/mo @ 40
- Elite Bronze with Atrium Health + Vision + Adult Dental — Expanded Bronze · $495.58/mo @ 40
- Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Cone Health — Expanded Bronze · $516.98/mo @ 40
- Blue Home Bronze Standard | with Cone Health — Expanded Bronze · $537.69/mo @ 40
- Connect Bronze 5500 Indiv Med Deductible — Expanded Bronze · $576.30/mo @ 40
- Connect Bronze CMS Standard — Expanded Bronze · $576.81/mo @ 40
- Connect Bronze 6500 Indiv Med Deductible — Expanded Bronze · $579.55/mo @ 40
- Connect myDiabetesCare Bronze — Expanded Bronze · $584.39/mo @ 40
- Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors — Expanded Bronze · $598.73/mo @ 40
- Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors — Expanded Bronze · $617.17/mo @ 40
- Blue Care Bronze Standard | Statewide Doctors — Expanded Bronze · $624.30/mo @ 40
- Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors — Expanded Bronze · $631.51/mo @ 40
- Blue Advantage Bronze Standard | Nationwide Doctors — Expanded Bronze · $641.80/mo @ 40
- Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors — Expanded Bronze · $647.33/mo @ 40
- Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors — Expanded Bronze · $650.82/mo @ 40
- Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors — Expanded Bronze · $667.18/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $677.69/mo @ 40
- UHC Bronze Standard+ Dental + Vision (No Referrals) — Expanded Bronze · $702.98/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $704.65/mo @ 40
- Standard Gold with Atrium Health — Gold · $560.81/mo @ 40
- Standard Gold with Atrium Health + Vision + Adult Dental — Gold · $579.68/mo @ 40
- Complete Gold with Atrium Health — Gold · $586.29/mo @ 40
- Complete Gold with Atrium Health + Vision + Adult Dental — Gold · $606.01/mo @ 40
- AmeriHealth Caritas Next Gold Signature + No Referrals — Gold · $623.19/mo @ 40
- Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health — Gold · $638.23/mo @ 40
- Blue Local Gold Standard A | with Atrium Health — Gold · $644.73/mo @ 40
- AmeriHealth Caritas Next Gold Premier + No Referrals — Gold · $647.32/mo @ 40
- Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Cone Health — Gold · $710.94/mo @ 40
- Blue Home Gold Standard A | with Cone Health — Gold · $717.98/mo @ 40
- Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors — Gold · $823.40/mo @ 40
Showing first 40 of 75 plans on file.
Reviewed by Jason Burns, Editorial Steward.