Focused Silver with Atrium Health + Vision + Adult Dental — full price in Gaston County, North Carolina (2026)
Focused Silver with Atrium Health + Vision + Adult Dental (77264NC0020051), a silver plan from Ambetter of North Carolina in Gaston County, North Carolina, costs $661.68/month full price for a 40-year-old in 2026 — $1405.16 at 60, with a $6,300 deductible and $8,400 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 77264NC0020051 · 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 | $517.76 |
| 27 | $542.60 |
| 30 | $587.64 |
| 40 | $661.68 |
| 50 | $924.70 |
| 60 | $1405.16 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,300
- Family deductible: $12,600
- Individual out-of-pocket max: $8,400
- Family out-of-pocket max: $16,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $640.14/mo. This plan is $661.68/mo at 40 — a difference of $21.54/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 Gaston County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver with Atrium Health | Ambetter of North Carolina | $633.66 |
| Focused Silver with Atrium Health | Ambetter of North Carolina | $640.14 |
| Standard Silver with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $654.98 |
| Connect Silver 5000 Indiv Med Deductible | Cigna Healthcare | $700.75 |
| Connect Silver 3600 Indiv Med Deductible | Cigna Healthcare | $702.08 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 77264NC0020051 in FIPS 37071.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Gaston County
Reviewed by Jason Burns, Editorial Steward.