What health insurance costs without a subsidy in Surry County, North Carolina (2026)
In Surry County, North Carolina, the benchmark silver plan costs $595.79/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $450.47 to $1075.22. A 60-year-old pays at least $956.63/month, a 21-year-old at least $352.48. 3 insurers offer 48 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 $352.48/mo
- Age 40 — starting at $450.47/mo
- Age 60 — starting at $956.63/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $450.47/mo
- Silver — starting at $590.72/mo
- Gold — starting at $609.93/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
AmeriHealth Caritas Next, Blue Cross and Blue Shield of NC, 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.
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 Surry County (FIPS 37171).
- 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 (48)
- AmeriHealth Caritas Next Bronze Essential + No Referrals — Bronze · $450.47/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals — Bronze · $631.48/mo @ 40
- AmeriHealth Caritas Next Bronze Signature + No Referrals — Expanded Bronze · $455.54/mo @ 40
- AmeriHealth Caritas Next Bronze Premier + No Referrals — Expanded Bronze · $465.42/mo @ 40
- Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors — Expanded Bronze · $529.51/mo @ 40
- Blue Value Bronze Standard | Limited Statewide Doctors — Expanded Bronze · $550.89/mo @ 40
- Blue Value Bronze Complete | $60 PCP | $20 Tier 1 Rx | Limited Statewide Doctors — Expanded Bronze · $558.79/mo @ 40
- Blue Value Bronze HSA Eligible | Integrated | Limited Statewide Doctors — Expanded Bronze · $573.09/mo @ 40
- Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors — Expanded Bronze · $611.20/mo @ 40
- Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors — Expanded Bronze · $630.03/mo @ 40
- Blue Care Bronze Standard | Statewide Doctors — Expanded Bronze · $637.30/mo @ 40
- Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors — Expanded Bronze · $644.67/mo @ 40
- Blue Advantage Bronze Standard | Nationwide Doctors — Expanded Bronze · $655.17/mo @ 40
- Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors — Expanded Bronze · $660.83/mo @ 40
- Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors — Expanded Bronze · $664.38/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $667.00/mo @ 40
- Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors — Expanded Bronze · $681.07/mo @ 40
- UHC Bronze Standard+ Dental + Vision (No Referrals) — Expanded Bronze · $691.90/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $693.54/mo @ 40
- AmeriHealth Caritas Next Gold Signature + No Referrals — Gold · $609.93/mo @ 40
- AmeriHealth Caritas Next Gold Premier + No Referrals — Gold · $633.54/mo @ 40
- Blue Value Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Limited Statewide Doctors — Gold · $729.05/mo @ 40
- Blue Value Gold Standard A | Limited Statewide Doctors — Gold · $736.54/mo @ 40
- Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors — Gold · $840.57/mo @ 40
- Blue Care Gold Standard A | Statewide Doctors — Gold · $851.08/mo @ 40
- Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors — Gold · $866.38/mo @ 40
- Blue Advantage Gold Standard A | Nationwide Doctors — Gold · $875.01/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Gold · $1020.71/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $1025.87/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) — Gold · $1050.32/mo @ 40
- UHC Gold Advantage + ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) — Gold · $1075.22/mo @ 40
- AmeriHealth Caritas Next Silver Essential + No Referrals — Silver · $590.72/mo @ 40
- AmeriHealth Caritas Next Silver Signature + No Referrals — Silver · $595.79/mo @ 40
- AmeriHealth Caritas Next Silver Premier + No Referrals — Silver · $608.29/mo @ 40
- Blue Value Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Limited Statewide Doctors — Silver · $694.18/mo @ 40
- Blue Value Silver Standard | Limited Statewide Doctors — Silver · $702.01/mo @ 40
- Blue Value Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Limited Statewide Doctors — Silver · $717.88/mo @ 40
- Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors — Silver · $800.99/mo @ 40
- Blue Care Silver Standard | Statewide Doctors — Silver · $811.80/mo @ 40
- Blue Advantage Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Nationwide Doctors — Silver · $825.61/mo @ 40
Showing first 40 of 48 plans on file.
Reviewed by Jason Burns, Editorial Steward.