Clear Silver with $0 Insulin Options — full price in Rutherford County, North Carolina (2026)
Clear Silver with $0 Insulin Options (77264NC0010037), a silver plan from Ambetter of North Carolina in Rutherford County, North Carolina, costs $702.19/month full price for a 40-year-old in 2026 — $1491.19 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 | $549.45 |
| 27 | $575.82 |
| 30 | $623.62 |
| 40 | $702.19 |
| 50 | $981.30 |
| 60 | $1491.19 |
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 $702.41/mo. This plan is $702.19/mo at 40 — a difference of $-0.22/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 Rutherford County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| 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 |
| AmeriHealth Caritas Next Silver Signature + No Referrals | AmeriHealth Caritas Next | $728.62 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 77264NC0010037 in FIPS 37161.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Rutherford County
Reviewed by Jason Burns, Editorial Steward.