Silver Simple Diabetes — full price in McDowell County, North Carolina (2026)
Silver Simple Diabetes (69803NC0010045), a silver plan from Oscar Health Plan of North Carolina, Inc in McDowell County, North Carolina, costs $858.33/month full price for a 40-year-old in 2026 — $1822.77 at 60, with a $6,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69803NC0010045 · 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 | $671.63 |
| 27 | $703.86 |
| 30 | $762.29 |
| 40 | $858.33 |
| 50 | $1199.51 |
| 60 | $1822.77 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,500
- Family deductible: $13,000
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $702.41/mo. This plan is $858.33/mo at 40 — a difference of $155.92/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 silver plans in McDowell County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clear Silver with $0 Insulin Options | Ambetter of North Carolina | $702.19 |
| Standard Silver | Ambetter of North Carolina | $702.41 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options | Ambetter of North Carolina | $720.76 |
| AmeriHealth Caritas Next Silver Essential + No Referrals | AmeriHealth Caritas Next | $722.43 |
| Standard Silver + Vision + Adult Dental | Ambetter of North Carolina | $726.04 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69803NC0010045 in FIPS 37111.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in McDowell County
Reviewed by Jason Burns, Editorial Steward.