Silver Classic | with Atrium Health — full price in Cleveland County, North Carolina (2026)
Silver Classic | with Atrium Health (69803NC0010063), a silver plan from Oscar Health Plan of North Carolina, Inc in Cleveland County, North Carolina, costs $637.43/month full price for a 40-year-old in 2026 — $1353.67 at 60, with a $5,400 deductible and $9,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69803NC0010063 · Issuer: Oscar Health Plan of North Carolina, Inc · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $498.78 |
| 27 | $522.71 |
| 30 | $566.11 |
| 40 | $637.43 |
| 50 | $890.81 |
| 60 | $1353.67 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,400
- Family deductible: $10,800
- Individual out-of-pocket max: $9,200
- Family out-of-pocket max: $18,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $629.12/mo. This plan is $637.43/mo at 40 — a difference of $8.31/mo.
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 — 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.
Other silver plans in Cleveland County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Simple PCP Saver | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $620.80 |
| Silver Classic Standard | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $629.12 |
| Silver Simple Diabetes | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $630.04 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $632.63 |
| Standard Silver with Atrium Health | Ambetter of North Carolina | $633.66 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69803NC0010063 in FIPS 37045.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cleveland County
Reviewed by Jason Burns, Editorial Steward.