Clear Silver with $0 Insulin Options — full price in Franklin County, North Carolina (2026)
Clear Silver with $0 Insulin Options (77264NC0010037), a silver plan from Ambetter of North Carolina in Franklin County, North Carolina, costs $626.39/month full price for a 40-year-old in 2026 — $1330.21 at 60, with a $7,000 deductible and $7,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 77264NC0010037 · Issuer: Ambetter of North Carolina · 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 | $490.14 |
| 27 | $513.66 |
| 30 | $556.30 |
| 40 | $626.39 |
| 50 | $875.37 |
| 60 | $1330.21 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $7,000
- Family deductible: $14,000
- Individual out-of-pocket max: $7,000
- Family out-of-pocket max: $14,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $590.76/mo. This plan is $626.39/mo at 40 — a difference of $35.63/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 Franklin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $584.30 |
| Blue Home Silver Standard | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $590.76 |
| Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $603.94 |
| Standard Silver | Ambetter of North Carolina | $626.58 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options | Ambetter of North Carolina | $642.95 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 77264NC0010037 in FIPS 37069.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Franklin County
Reviewed by Jason Burns, Editorial Steward.