What health insurance costs without a subsidy in Wake County, North Carolina (2026)
In Wake County, North Carolina, the benchmark silver plan costs $590.76/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $445.74 to $1064.40. A 60-year-old pays at least $946.59/month, a 21-year-old at least $348.78. 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 $348.78/mo
- Age 40 — starting at $445.74/mo
- Age 60 — starting at $946.59/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $511.18/mo
- Silver — starting at $584.30/mo
- Gold — starting at $613.09/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 Wake County (FIPS 37183).
- 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 · $511.18/mo @ 40
- Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance — Expanded Bronze · $445.74/mo @ 40
- Blue Home Bronze Standard | with UNC Health Alliance — Expanded Bronze · $463.68/mo @ 40
- Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance — Expanded Bronze · $469.93/mo @ 40
- Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance — Expanded Bronze · $482.07/mo @ 40
- Everyday Bronze — Expanded Bronze · $487.37/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $489.26/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $503.77/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $505.72/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $539.94/mo @ 40
- Elite Bronze — Expanded Bronze · $553.77/mo @ 40
- UHC Bronze Standard+ Dental + Vision (No Referrals) — Expanded Bronze · $560.09/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $561.42/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $572.40/mo @ 40
- Connect Bronze RD 6000 Indiv Med Deductible — Expanded Bronze · $708.41/mo @ 40
- Connect Bronze RD CMS Standard — Expanded Bronze · $709.76/mo @ 40
- Connect Bronze RD 5000 Indiv Med Deductible — Expanded Bronze · $722.03/mo @ 40
- Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance — Gold · $613.09/mo @ 40
- Blue Home Gold Standard A | with UNC Health Alliance — Gold · $619.33/mo @ 40
- Standard Gold — Gold · $647.74/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $669.54/mo @ 40
- Complete Gold — Gold · $677.17/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $699.95/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Gold · $826.27/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $830.45/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) — Gold · $850.24/mo @ 40
- UHC Gold Advantage + ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) — Gold · $870.39/mo @ 40
- Connect Gold RD CMS Standard — Gold · $1064.40/mo @ 40
- Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance — Silver · $584.30/mo @ 40
- Blue Home Silver Standard | with UNC Health Alliance — Silver · $590.76/mo @ 40
- Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance — Silver · $603.94/mo @ 40
- Clear Silver with $0 Insulin Options — Silver · $626.39/mo @ 40
- Standard Silver — Silver · $626.58/mo @ 40
- Enhanced Asthma/COPD Care Silver with $0 Drug Options — Silver · $642.95/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $647.67/mo @ 40
- Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental — Silver · $664.58/mo @ 40
- UHC Silver Value ($0 Virtual Urgent Care, No Referrals) — Silver · $745.04/mo @ 40
- UHC Silver Standard (No Referrals) — Silver · $746.43/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) — Silver · $755.34/mo @ 40
- UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Silver · $765.19/mo @ 40
Showing first 40 of 44 plans on file.
Reviewed by Jason Burns, Editorial Steward.