Standard Gold — full price in Graham County, North Carolina (2026)
Standard Gold (77264NC0010046), a gold plan from Ambetter of North Carolina in Graham County, North Carolina, costs $726.13/month full price for a 40-year-old in 2026 — $1542.03 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 77264NC0010046 · 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 | $568.19 |
| 27 | $595.45 |
| 30 | $644.88 |
| 40 | $726.13 |
| 50 | $1014.76 |
| 60 | $1542.03 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $702.41/mo. This plan is $726.13/mo at 40 — a difference of $23.72/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.
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Other gold plans in Graham County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| AmeriHealth Caritas Next Gold Signature + No Referrals | AmeriHealth Caritas Next | $745.92 |
| Standard Gold + Vision + Adult Dental | Ambetter of North Carolina | $750.56 |
| Complete Gold | Ambetter of North Carolina | $759.12 |
| AmeriHealth Caritas Next Gold Premier + No Referrals | AmeriHealth Caritas Next | $774.79 |
| Complete Gold + Vision + Adult Dental | Ambetter of North Carolina | $784.66 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 77264NC0010046 in FIPS 37075.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Graham County
Reviewed by Jason Burns, Editorial Steward.