What health insurance costs without a subsidy in Yancey County, North Carolina (2026)
In Yancey County, North Carolina, the benchmark silver plan costs $702.41/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $546.35 to $1344.67. A 60-year-old pays at least $1160.25/month, a 21-year-old at least $427.51. 5 insurers offer 59 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 $427.51/mo
- Age 40 — starting at $546.35/mo
- Age 60 — starting at $1160.25/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $550.91/mo
- Silver — starting at $702.19/mo
- Gold — starting at $726.13/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, Oscar Health Plan of North Carolina, Inc
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 Yancey County (FIPS 37199).
- 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 (59)
- AmeriHealth Caritas Next Bronze Essential + No Referrals — Bronze · $550.91/mo @ 40
- Everyday Bronze — Expanded Bronze · $546.35/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $548.47/mo @ 40
- AmeriHealth Caritas Next Bronze Signature + No Referrals — Expanded Bronze · $557.10/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $564.73/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $566.92/mo @ 40
- AmeriHealth Caritas Next Bronze Premier + No Referrals — Expanded Bronze · $569.19/mo @ 40
- Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors — Expanded Bronze · $617.44/mo @ 40
- Elite Bronze — Expanded Bronze · $620.78/mo @ 40
- Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors — Expanded Bronze · $636.46/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $641.67/mo @ 40
- Blue Care Bronze Standard | Statewide Doctors — Expanded Bronze · $643.81/mo @ 40
- Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors — Expanded Bronze · $651.24/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $660.57/mo @ 40
- Blue Advantage Bronze Standard | Nationwide Doctors — Expanded Bronze · $661.85/mo @ 40
- Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors — Expanded Bronze · $667.56/mo @ 40
- Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors — Expanded Bronze · $671.17/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $675.88/mo @ 40
- Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors — Expanded Bronze · $688.02/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $736.29/mo @ 40
- Connect Bronze 5500 Indiv Med Deductible — Expanded Bronze · $894.38/mo @ 40
- Connect Bronze CMS Standard — Expanded Bronze · $895.18/mo @ 40
- Connect Bronze 6500 Indiv Med Deductible — Expanded Bronze · $899.39/mo @ 40
- Connect myDiabetesCare Bronze — Expanded Bronze · $906.93/mo @ 40
- Standard Gold — Gold · $726.13/mo @ 40
- AmeriHealth Caritas Next Gold Signature + No Referrals — Gold · $745.92/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $750.56/mo @ 40
- Complete Gold — Gold · $759.12/mo @ 40
- AmeriHealth Caritas Next Gold Premier + No Referrals — Gold · $774.79/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $784.66/mo @ 40
- Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors — Gold · $849.14/mo @ 40
- Blue Care Gold Standard A | Statewide Doctors — Gold · $859.76/mo @ 40
- Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors — Gold · $875.21/mo @ 40
- Blue Advantage Gold Standard A | Nationwide Doctors — Gold · $883.93/mo @ 40
- Gold Classic Standard — Gold · $922.82/mo @ 40
- Connect Gold CMS Standard — Gold · $1342.42/mo @ 40
- Connect Gold 1500 Indiv Med Deductible — Gold · $1344.67/mo @ 40
- Clear Silver with $0 Insulin Options — Silver · $702.19/mo @ 40
- Standard Silver — Silver · $702.41/mo @ 40
- Enhanced Asthma/COPD Care Silver with $0 Drug Options — Silver · $720.76/mo @ 40
Showing first 40 of 59 plans on file.
Reviewed by Jason Burns, Editorial Steward.