What health insurance costs without a subsidy in Warren County, North Carolina (2026)
In Warren County, North Carolina, the benchmark silver plan costs $640.80/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $498.43 to $1228.98. A 60-year-old pays at least $1058.47/month, a 21-year-old at least $390.01. 4 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 $390.01/mo
- Age 40 — starting at $498.43/mo
- Age 60 — starting at $1058.47/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $550.91/mo
- Silver — starting at $640.59/mo
- Gold — starting at $662.44/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.
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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 Warren County (FIPS 37185).
- 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 · $550.91/mo @ 40
- Everyday Bronze — Expanded Bronze · $498.43/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $500.36/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $515.20/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $517.20/mo @ 40
- AmeriHealth Caritas Next Bronze Signature + No Referrals — Expanded Bronze · $557.10/mo @ 40
- Elite Bronze — Expanded Bronze · $566.33/mo @ 40
- AmeriHealth Caritas Next Bronze Premier + No Referrals — Expanded Bronze · $569.19/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $585.38/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
- Connect Bronze RD 6000 Indiv Med Deductible — Expanded Bronze · $817.95/mo @ 40
- Connect Bronze RD CMS Standard — Expanded Bronze · $819.52/mo @ 40
- Connect Bronze RD 5000 Indiv Med Deductible — Expanded Bronze · $833.68/mo @ 40
- Standard Gold — Gold · $662.44/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $684.72/mo @ 40
- Complete Gold — Gold · $692.53/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $715.83/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
- 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
- Connect Gold RD CMS Standard — Gold · $1228.98/mo @ 40
- Clear Silver with $0 Insulin Options — Silver · $640.59/mo @ 40
- Standard Silver — Silver · $640.80/mo @ 40
- Enhanced Asthma/COPD Care Silver with $0 Drug Options — Silver · $657.53/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $662.36/mo @ 40
- Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental — Silver · $679.66/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
- Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors — Silver · $858.20/mo @ 40
Showing first 40 of 48 plans on file.
Reviewed by Jason Burns, Editorial Steward.