Standard Gold + Vision + Adult Dental — full price in Wake County, North Carolina (2026)
Standard Gold + Vision + Adult Dental (77264NC0020057), a gold plan from Ambetter of North Carolina in Wake County, North Carolina, costs $669.54/month full price for a 40-year-old in 2026 — $1421.85 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 77264NC0020057 · 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 | $523.90 |
| 27 | $549.04 |
| 30 | $594.62 |
| 40 | $669.54 |
| 50 | $935.67 |
| 60 | $1421.85 |
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 $590.76/mo. This plan is $669.54/mo at 40 — a difference of $78.78/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 gold plans in Wake County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $613.09 |
| Blue Home Gold Standard A | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $619.33 |
| Standard Gold | Ambetter of North Carolina | $647.74 |
| Complete Gold | Ambetter of North Carolina | $677.17 |
| Complete Gold + Vision + Adult Dental | Ambetter of North Carolina | $699.95 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 77264NC0020057 in FIPS 37183.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Wake County
Reviewed by Jason Burns, Editorial Steward.