# What ACA marketplace plans are available in Henderson County, North Carolina in 2027?

Henderson County, North Carolina has 54 ACA marketplace plans from 4 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $599 to $1,218 and a benchmark (second-lowest-cost silver) plan at $823 per month, before any premium tax credit, per CMS 2027 plan data. To compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.

_Last updated 2026-11-01 · Published by Private Health Insurance Direct Answers · Updated November 1, 2026 with CMS 2027 plan data_

## 2027 plan table

| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Essential + Three Free PCP Visits + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Bronze | $598.72 | $12,000 | $12,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Signature + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Expanded Bronze | $623.58 | $7,500 | $12,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Enhanced + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Expanded Bronze | $624.47 | $4,500 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic Standard | Expanded Bronze | $696.90 | $7,500 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic 4700 | Expanded Bronze | $697.14 | $4,700 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Simple Diabetes | Expanded Bronze | $710.71 | $5,500 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Basic \| 3 Free PCP \| $25 Tier 1 Rx \| HSA Eligible \| Integrated \| Statewide Doctors | Expanded Bronze | $714.40 | $7,000 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Standard \| $50 PCP \| $25 Tier 1 Rx \| HSA Eligible \| Integrated \| Statewide Doctors | Expanded Bronze | $733.83 | $7,500 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Elite + PCP Saver Plus | Expanded Bronze | $738.03 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Complete \| $60 PCP \| $20 Tier 1 Rx \| HSA Eligible \| Statewide Doctors | Expanded Bronze | $743.82 | $4,000 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Basic \| 3 Free PCP \| $25 Tier 1 Rx \| HSA Eligible \| Integrated \| Nationwide Doctors | Expanded Bronze | $747.28 | $7,000 | $12,000 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Bronze | $753.47 | $11,750 | $11,750 |
| Oscar Health Plan of North Carolina, Inc | Bronze Elite + PCP Saver Plus with Adult Dental & Vision | Expanded Bronze | $762.29 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Standard \| $50 PCP \| $25 Tier 1 Rx \| HSA Eligible \| Integrated \| Nationwide Doctors | Expanded Bronze | $765.85 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze HSA Eligible Plus \| Integrated \| Statewide Doctors | Expanded Bronze | $769.07 | $8,700 | $8,700 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Complete \| $60 PCP \| $20 Tier 1 Rx \| HSA Eligible \| Nationwide Doctors | Expanded Bronze | $777.93 | $4,000 | $12,000 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin, No Referrals) | Expanded Bronze | $778.42 | $7,500 | $12,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Enhanced + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Gold | $781.18 | $1,000 | $10,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Essential + Two Free PCP Visits + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Silver | $794.14 | $5,000 | $12,000 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision, No Referrals) | Expanded Bronze | $800.35 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze HSA Eligible Plus \| Integrated \| Nationwide Doctors | Expanded Bronze | $803.81 | $8,700 | $8,700 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Signature + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Gold | $817.76 | $2,500 | $8,600 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Signature + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Silver | $822.69 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Expanded Bronze | $822.91 | $0 | $12,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Copay Focus + $0 Deductible + Free PCP + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Gold | $839.53 | $0 | $9,000 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision, No Referrals) | Expanded Bronze | $844.84 | $0 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Silver Classic Standard | Silver | $870.44 | $6,400 | $10,300 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple PCP Saver | Silver | $874.32 | $5,750 | $10,000 |
| Oscar Health Plan of North Carolina, Inc | Silver Core Plan | Silver | $876.64 | $9,000 | $10,300 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Diabetes | Silver | $891.67 | $6,500 | $10,600 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Diabetes with Adult Dental & Vision | Silver | $915.93 | $6,500 | $10,600 |
| Oscar Health Plan of North Carolina, Inc | Gold Classic Standard | Gold | $957.66 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Preferred \| 3 Free PCP \| $15 Tier 1 Rx \| Integrated \| Statewide Doctors | Silver | $966.76 | $2,700 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Standard \| $40 PCP \| $20 Tier 1 Rx \| Integrated \| Statewide Doctors | Silver | $974.40 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Choice A \| 3 Free PCP \| $15 Tier 1 Rx \| Statewide Doctors | Silver | $987.75 | $3,500 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Gold Premier A \| 3 Free PCP \| $10 Tier 1 Rx \| Statewide Doctors | Gold | $994.94 | $1,800 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Gold Standard A \| $30 PCP \| $15 Tier 1 Rx \| Statewide Doctors | Gold | $1,004.48 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Preferred \| 3 Free PCP \| $15 Tier 1 Rx \| Integrated \| Nationwide Doctors | Silver | $1,011.15 | $2,700 | $12,000 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin, No Referrals) | Silver | $1,014.23 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Standard \| $40 PCP \| $20 Tier 1 Rx \| Integrated \| Nationwide Doctors | Silver | $1,016.96 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of NC | Blue Care Gold All Copay A \| $30 PCP \| $10 Tier 1 Rx \| Statewide Doctors | Gold | $1,017.95 | $0 | $12,000 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Silver | $1,018.51 | $3,550 | $11,200 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Choice A \| 3 Free PCP \| $15 Tier 1 Rx \| Nationwide Doctors | Silver | $1,032.87 | $3,500 | $12,000 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, No Referrals) | Silver | $1,033.85 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Premier A \| 3 Free PCP \| $10 Tier 1 Rx \| Nationwide Doctors | Gold | $1,040.29 | $1,800 | $12,000 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Silver | $1,040.44 | $3,550 | $11,200 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Standard A \| $30 PCP \| $15 Tier 1 Rx \| Nationwide Doctors | Gold | $1,048.54 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals) | Silver | $1,055.78 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold All Copay A \| $30 PCP \| $10 Tier 1 Rx \| Nationwide Doctors | Gold | $1,064.68 | $0 | $12,000 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin, No Referrals) | Gold | $1,171.60 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $1,195.73 | $0 | $10,000 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $1,195.97 | $850 | $10,400 |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Gold | $1,217.67 | $0 | $10,000 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Gold | $1,217.90 | $850 | $10,400 |

Premiums are full price for one 40-year-old non-smoker, before any premium tax credit.

## Questions about 2027 plans in Henderson County

### How many ACA plans are available in Henderson County for 2027?

Henderson County, North Carolina has 54 ACA marketplace plans from 4 insurers for 2027, per CMS 2027 plan data.

### What is the 2027 benchmark (second-lowest-cost silver) premium in Henderson County?

The 2027 benchmark (second-lowest-cost silver) premium in Henderson County is $823 per month for a 40-year-old before tax credits.

### What is the cheapest 2027 plan in Henderson County?

The cheapest 2027 plan in Henderson County is AmeriHealth Caritas Next Bronze Essential + Three Free PCP Visits + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals from AmeriHealth Caritas Next, a Bronze plan at $599 per month for a 40-year-old before tax credits.

### When is Open Enrollment for 2027 coverage?

In states that use HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.

### How do I get help choosing or enrolling?

To compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555. You can also enroll yourself at HealthCare.gov.

## Sources

- CMS PY2027 Plan Attributes and Rate public use files — https://data.healthcare.gov/dataset/9c1ab46b-95da-4aac-9a04-2bf363a28d9e (retrieved 2026-11-12)
- HealthCare.gov — https://www.healthcare.gov

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Updated: 2026-11-01T00:00:00.000Z
Published by: Private Health Insurance Direct Answers
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