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

Richmond County, North Carolina has 54 ACA marketplace plans from 3 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $545 to $1,147 and a benchmark (second-lowest-cost silver) plan at $623 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 |
|---|---|---|---|---|---|
| Ambetter of North Carolina | Signature Expanded Bronze | Bronze | $544.89 | $7,500 | $12,000 |
| Ambetter of North Carolina | Everyday Bronze | Bronze | $553.42 | $9,350 | $11,000 |
| Ambetter of North Carolina | Signature Expanded Bronze + Vision + Adult Dental | Bronze | $561.39 | $7,500 | $12,000 |
| Ambetter of North Carolina | Everyday Bronze + Vision + Adult Dental | Bronze | $570.19 | $9,350 | $11,000 |
| Ambetter of North Carolina | Elite Bronze | Bronze | $614.82 | $0 | $11,900 |
| Ambetter of North Carolina | Streamlined Silver | Silver | $617.34 | $4,700 | $11,300 |
| Ambetter of North Carolina | Clear Silver with $0 Insulin Options | Silver | $622.88 | $7,900 | $7,900 |
| Ambetter of North Carolina | Signature Silver | Silver | $629.67 | $6,400 | $10,300 |
| Ambetter of North Carolina | Elite Bronze + Vision + Adult Dental | Bronze | $633.44 | $0 | $11,900 |
| Ambetter of North Carolina | Enhanced CHF Heart Care Silver $0 Rx Options | Silver | $639.59 | $5,200 | $10,300 |
| Ambetter of North Carolina | Clear Silver with $0 Insulin Options + Vision + Adult Dental | Silver | $641.75 | $7,900 | $7,900 |
| Ambetter of North Carolina | Signature Silver + Vision + Adult Dental | Silver | $648.74 | $6,400 | $10,300 |
| Ambetter of North Carolina | Enhanced Asthma/COPD Care Silver $0 Rx Options | Silver | $650.42 | $5,900 | $9,400 |
| Ambetter of North Carolina | Enhanced CHF Heart Care Silver $0 Rx Options + Vision + Adult Dental | Silver | $658.96 | $5,200 | $10,300 |
| Ambetter of North Carolina | Enhanced Asthma/COPD Care Silver $0 Rx Options + Vision + Adult Dental | Silver | $670.12 | $5,900 | $9,400 |
| Ambetter of North Carolina | Signature Gold | Gold | $694.62 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Bronze | $709.65 | $11,750 | $11,750 |
| Ambetter of North Carolina | Signature Gold + Vision + Adult Dental | Gold | $715.66 | $2,500 | $8,600 |
| Ambetter of North Carolina | Complete Gold | Gold | $732.46 | $1,450 | $9,500 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin, No Referrals) | Bronze | $733.14 | $7,500 | $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 | Bronze | $740.52 | $7,000 | $12,000 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision, No Referrals) | Bronze | $753.80 | $7,500 | $12,000 |
| Ambetter of North Carolina | Complete Gold + Vision + Adult Dental | Gold | $754.64 | $1,450 | $9,500 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Standard \| $50 PCP \| $25 Tier 1 Rx \| HSA Eligible \| Integrated \| Statewide Doctors | Bronze | $760.65 | $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 | $762.22 | $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 | $771.02 | $4,000 | $12,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Bronze | $775.04 | $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 | Bronze | $781.18 | $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 | $793.48 | $4,000 | $12,000 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision, No Referrals) | Bronze | $795.70 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze HSA Eligible Plus \| Integrated \| Statewide Doctors | Bronze | $797.19 | $8,700 | $8,700 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze HSA Eligible Plus \| Integrated \| Nationwide Doctors | Bronze | $819.89 | $8,700 | $8,700 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin, No Referrals) | Silver | $955.23 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Silver | $959.26 | $3,550 | $11,200 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, No Referrals) | Silver | $973.71 | $0 | $12,000 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Silver | $979.92 | $3,550 | $11,200 |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals) | Silver | $994.37 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Preferred \| 3 Free PCP \| $15 Tier 1 Rx \| Integrated \| Statewide Doctors | Silver | $1,002.12 | $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 | $1,010.03 | $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 | $1,023.87 | $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 | $1,031.31 | $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 | $1,031.37 | $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 | $1,037.29 | $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 | $1,041.20 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Choice A \| 3 Free PCP \| $15 Tier 1 Rx \| Nationwide Doctors | Silver | $1,053.52 | $3,500 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Gold All Copay A \| $30 PCP \| $10 Tier 1 Rx \| Statewide Doctors | Gold | $1,055.17 | $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 | $1,061.10 | $1,800 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Standard A \| $30 PCP \| $15 Tier 1 Rx \| Nationwide Doctors | Gold | $1,069.51 | $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 | $1,085.97 | $0 | $12,000 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin, No Referrals) | Gold | $1,103.45 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $1,126.18 | $0 | $10,000 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $1,126.40 | $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 | $1,146.84 | $0 | $10,000 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Gold | $1,147.06 | $850 | $10,400 |

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

## Questions about 2027 plans in Richmond County

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

Richmond County, North Carolina has 54 ACA marketplace plans from 3 insurers for 2027, per HealthCare.gov plan data.

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

The 2027 benchmark (second-lowest-cost silver) premium in Richmond County is $623 per month for a 40-year-old before tax credits.

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

The cheapest 2027 plan in Richmond County is Signature Expanded Bronze from Ambetter of North Carolina, a Bronze plan at $545 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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