What health insurance costs without a subsidy in Rowan County, North Carolina (2026)
In Rowan County, North Carolina, the benchmark silver plan costs $592.25/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $446.85 to $937.50. A 60-year-old pays at least $948.95/month, a 21-year-old at least $349.65. 3 insurers offer 54 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)
- Silver — starting at $585.82/mo
- Gold — starting at $614.67/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $8,500
- 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
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 Rowan County (FIPS 37159).
- 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 (54)
- Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Novant Health — Expanded Bronze · $446.85/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
- 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
- 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
- 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
- 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
- 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
- Blue Local Gold Standard A | with Atrium Health — Gold · $770.97/mo @ 40
- Connect Gold CMS Standard — Gold · $822.47/mo @ 40
- Connect Gold 1500 Indiv Med Deductible — Gold · $823.85/mo @ 40
- Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors — Gold · $900.61/mo @ 40
- Blue Care Gold Standard A | Statewide Doctors — Gold · $911.88/mo @ 40
- Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors — Gold · $928.26/mo @ 40
- Blue Advantage Gold Standard A | Nationwide Doctors — Gold · $937.50/mo @ 40
- Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Novant Health — Silver · $585.82/mo @ 40
- Blue Home Silver Standard | with Novant Health — Silver · $592.25/mo @ 40
- Standard Silver with Atrium Health — Silver · $596.97/mo @ 40
- Focused Silver with Atrium Health — Silver · $603.07/mo @ 40
Showing first 40 of 54 plans on file.
Reviewed by Jason Burns, Editorial Steward.