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

Mecklenburg County, North Carolina has 79 ACA marketplace plans from 4 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $507 to $1,248 and a benchmark (second-lowest-cost silver) plan at $626 per month, before any premium tax credit, per HealthCare.gov 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 2027 plan data from HealthCare.gov_

## 2027 plan table

| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| Blue Cross and Blue Shield of NC | Blue Home Bronze Basic \| 3 Free PCP \| $25 Tier 1 Rx \| HSA Eligible \| Integrated \| with Novant Health | Bronze | $507.06 | $7,000 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze Standard \| $50 PCP \| $25 Tier 1 Rx \| HSA Eligible \| Integrated \| with Novant Health | Bronze | $520.55 | $7,500 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic Standard \| with Atrium Health | Bronze | $540.87 | $7,500 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic 4700 \| with Atrium Health | Bronze | $541.06 | $4,700 | $12,000 |
| Ambetter of North Carolina | Signature Expanded Bronze with Atrium Health | Bronze | $542.63 | $7,500 | $12,000 |
| Ambetter of North Carolina | Everyday Bronze with Atrium Health | Bronze | $549.28 | $9,350 | $11,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Simple Breathe Easy with Enhanced COPD Benefits \| with Atrium Health | Bronze | $551.38 | $5,500 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Simple Diabetes \| with Atrium Health | Bronze | $551.59 | $5,500 | $12,000 |
| Ambetter of North Carolina | Signature Expanded Bronze with Atrium Health + Vision + Adult Dental | Bronze | $559.06 | $7,500 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Simple Chronic Care CKM \| with Atrium Health | Bronze | $561.88 | $5,500 | $12,000 |
| Ambetter of North Carolina | Everyday Bronze with Atrium Health + Vision + Adult Dental | Bronze | $565.92 | $9,350 | $11,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Simple Diabetes with Adult Dental & Vision \| with Atrium Health | Bronze | $570.35 | $5,500 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Elite + PCP Saver Plus \| with Atrium Health | Bronze | $572.81 | $0 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Elite + PCP Saver Plus with Adult Dental & Vision \| with Atrium Health | Bronze | $591.57 | $0 | $12,000 |
| Ambetter of North Carolina | Elite Bronze with Atrium Health | Bronze | $610.22 | $0 | $11,900 |
| Ambetter of North Carolina | Streamlined Silver with Atrium Health | Silver | $612.72 | $4,700 | $11,300 |
| Ambetter of North Carolina | Signature Silver with Atrium Health | Silver | $625.94 | $6,400 | $10,300 |
| Ambetter of North Carolina | Elite Bronze with Atrium Health + Vision + Adult Dental | Bronze | $628.70 | $0 | $11,900 |
| Ambetter of North Carolina | Focused Silver with Atrium Health | Silver | $634.09 | $6,300 | $9,600 |
| Blue Cross and Blue Shield of NC | Blue Local Bronze Basic \| 3 Free PCP \| $25 Tier 1 Rx \| HSA Eligible \| Integrated \| with Atrium Health | Bronze | $638.07 | $7,000 | $12,000 |
| Ambetter of North Carolina | Signature Silver with Atrium Health + Vision + Adult Dental | Silver | $644.90 | $6,400 | $10,300 |
| Ambetter of North Carolina | Focused Silver with Atrium Health + Vision + Adult Dental | Silver | $653.30 | $6,300 | $9,600 |
| Blue Cross and Blue Shield of NC | Blue Local Bronze Standard \| $50 PCP \| $25 Tier 1 Rx \| HSA Eligible \| Integrated \| with Atrium Health | Bronze | $655.12 | $7,500 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Silver Classic Standard \| with Atrium Health | Silver | $675.62 | $6,400 | $10,300 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple PCP Saver \| with Atrium Health | Silver | $678.64 | $5,750 | $10,000 |
| Oscar Health Plan of North Carolina, Inc | Silver Core Plan \| with Atrium Health | Silver | $680.43 | $9,000 | $10,300 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Preferred \| 3 Free PCP \| $15 Tier 1 Rx \| Integrated \| with Novant Health | Silver | $686.39 | $2,700 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Standard \| $40 PCP \| $20 Tier 1 Rx \| Integrated \| with Novant Health | Silver | $691.28 | $6,400 | $10,300 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Diabetes \| with Atrium Health | Silver | $692.11 | $6,500 | $10,600 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Breathe Easy with Enhanced COPD Benefits \| with Atrium Health | Silver | $693.41 | $6,200 | $10,300 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Women's Health with Menopause Benefits \| with Atrium Health | Silver | $697.11 | $6,000 | $10,600 |
| Ambetter of North Carolina | Signature Gold with Atrium Health | Gold | $699.37 | $2,500 | $8,600 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Chronic Care CKM \| with Atrium Health | Silver | $699.50 | $6,500 | $10,500 |
| Blue Cross and Blue Shield of NC | Blue Home Gold Premier A \| 3 Free PCP \| $10 Tier 1 Rx \| with Novant Health | Gold | $706.47 | $1,800 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Diabetes with Adult Dental & Vision \| with Atrium Health | Silver | $710.87 | $6,500 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Home Gold Standard A \| $30 PCP \| $15 Tier 1 Rx \| with Novant Health | Gold | $712.65 | $2,500 | $8,600 |
| Ambetter of North Carolina | Signature Gold with Atrium Health + Vision + Adult Dental | Gold | $720.56 | $2,500 | $8,600 |
| Ambetter of North Carolina | Complete Gold with Atrium Health | Gold | $726.97 | $1,450 | $9,500 |
| Oscar Health Plan of North Carolina, Inc | Gold Classic Standard \| with Atrium Health | Gold | $743.35 | $2,500 | $8,600 |
| Ambetter of North Carolina | Complete Gold with Atrium Health + Vision + Adult Dental | Gold | $748.99 | $1,450 | $9,500 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Basic \| 3 Free PCP \| $25 Tier 1 Rx \| HSA Eligible \| Integrated \| Statewide Doctors | Bronze | $753.25 | $7,000 | $12,000 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Bronze | $772.18 | $11,750 | $11,750 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Standard \| $50 PCP \| $25 Tier 1 Rx \| HSA Eligible \| Integrated \| Statewide Doctors | Bronze | $773.74 | $7,500 | $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 | Bronze | $777.18 | $7,000 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Complete \| $60 PCP \| $20 Tier 1 Rx \| HSA Eligible \| Statewide Doctors | Bronze | $784.26 | $4,000 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Standard \| $50 PCP \| $25 Tier 1 Rx \| HSA Eligible \| Integrated \| Nationwide Doctors | Bronze | $796.49 | $7,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin, No Referrals) | Bronze | $797.74 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Complete \| $60 PCP \| $20 Tier 1 Rx \| HSA Eligible \| Nationwide Doctors | Bronze | $809.05 | $4,000 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze HSA Eligible Plus \| Integrated \| Statewide Doctors | Bronze | $810.89 | $8,700 | $8,700 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision, No Referrals) | Bronze | $820.22 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze HSA Eligible Plus \| Integrated \| Nationwide Doctors | Bronze | $835.97 | $8,700 | $8,700 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Bronze | $843.33 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Local Silver Preferred \| 3 Free PCP \| $15 Tier 1 Rx \| Integrated \| with Atrium Health | Silver | $863.80 | $2,700 | $12,000 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision, No Referrals) | Bronze | $865.81 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Local Silver Standard \| $40 PCP \| $20 Tier 1 Rx \| Integrated \| with Atrium Health | Silver | $869.95 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of NC | Blue Local Gold Premier A \| 3 Free PCP \| $10 Tier 1 Rx \| with Atrium Health | Gold | $888.99 | $1,800 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Local Gold Standard A \| $30 PCP \| $15 Tier 1 Rx \| with Atrium Health | Gold | $896.76 | $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 | $1,019.33 | $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 | $1,027.38 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin, No Referrals) | Silver | $1,039.40 | $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 | $1,041.45 | $3,500 | $12,000 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Silver | $1,043.79 | $3,550 | $11,200 |
| Blue Cross and Blue Shield of NC | Blue Care Gold Premier A \| 3 Free PCP \| $10 Tier 1 Rx \| Statewide Doctors | Gold | $1,049.03 | $1,800 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Preferred \| 3 Free PCP \| $15 Tier 1 Rx \| Integrated \| Nationwide Doctors | Silver | $1,051.60 | $2,700 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Standard \| $40 PCP \| $20 Tier 1 Rx \| Integrated \| Nationwide Doctors | Silver | $1,057.63 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of NC | Blue Care Gold Standard A \| $30 PCP \| $15 Tier 1 Rx \| Statewide Doctors | Gold | $1,059.09 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, No Referrals) | Silver | $1,059.51 | $0 | $12,000 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Silver | $1,066.26 | $3,550 | $11,200 |
| Blue Cross and Blue Shield of NC | Blue Care Gold All Copay A \| $30 PCP \| $10 Tier 1 Rx \| Statewide Doctors | Gold | $1,073.30 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Choice A \| 3 Free PCP \| $15 Tier 1 Rx \| Nationwide Doctors | Silver | $1,074.18 | $3,500 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Premier A \| 3 Free PCP \| $10 Tier 1 Rx \| Nationwide Doctors | Gold | $1,081.90 | $1,800 | $12,000 |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals) | Silver | $1,081.99 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Standard A \| $30 PCP \| $15 Tier 1 Rx \| Nationwide Doctors | Gold | $1,090.48 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold All Copay A \| $30 PCP \| $10 Tier 1 Rx \| Nationwide Doctors | Gold | $1,107.26 | $0 | $12,000 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin, No Referrals) | Gold | $1,200.68 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $1,225.41 | $0 | $10,000 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $1,225.65 | $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 | $1,247.89 | $0 | $10,000 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Gold | $1,248.13 | $850 | $10,400 |

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

## Questions about 2027 plans in Mecklenburg County

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

Mecklenburg County, North Carolina has 79 ACA marketplace plans from 4 insurers for 2027, per HealthCare.gov plan data.

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

The 2027 benchmark (second-lowest-cost silver) premium in Mecklenburg County is $626 per month for a 40-year-old before tax credits.

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

The cheapest 2027 plan in Mecklenburg County is Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | HSA Eligible | Integrated | with Novant Health from Blue Cross and Blue Shield of NC, a Bronze plan at $507 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

- HealthCare.gov plan data (CMS Marketplace API) — https://www.healthcare.gov/see-plans/ (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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