2026 plan year · North Carolina
2026 health insurance plans in Caldwell County, NC
63 Marketplace plans from 4 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $596benchmark silver (age 40)
- $463cheapest bronze (age 40)
- 4insurers
- +24.2%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: CareSource, WellCare of North Carolina. See what to do if your insurer leaves.
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| AmeriHealth Caritas Next Bronze Essential + No Referrals AmeriHealth Caritas Next · HMO | $380 | $486 | $1,033 | $10,600 | $10,600 | $25 |
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals UnitedHealthcare · HMO | $473 | $604 | $1,283 | $10,600 | $10,600 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Everyday Bronze Ambetter of North Carolina · HMO | $363 | $463 | $984 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter of North Carolina · HMO | $364 | $465 | $988 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter of North Carolina · HMO | $375 | $479 | $1,017 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of North Carolina · HMO | $376 | $481 | $1,021 | $7,500 | $10,000 | $50 |
| AmeriHealth Caritas Next Bronze Signature + No Referrals AmeriHealth Caritas Next · HMO | $385 | $492 | $1,044 | $7,500 | $10,000 | $50 |
| AmeriHealth Caritas Next Bronze Premier + No Referrals AmeriHealth Caritas Next · HMO | $393 | $502 | $1,067 | $3,850 | $10,600 | $40 |
| Elite Bronze Ambetter of North Carolina · HMO | $412 | $527 | $1,118 | $0 | $10,500 | $60 |
| Elite Bronze + Vision + Adult Dental Ambetter of North Carolina · HMO | $426 | $544 | $1,156 | $0 | $10,500 | $60 |
| Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $427 | $546 | $1,159 | $7,000 | $10,600 | $95 |
| Blue Value Bronze Standard | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $444 | $568 | $1,206 | $7,500 | $10,000 | $50 |
| Blue Value Bronze Complete | $60 PCP | $20 Tier 1 Rx | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $451 | $576 | $1,223 | $4,000 | $10,600 | $60 |
| Blue Value Bronze HSA Eligible | Integrated | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $462 | $591 | $1,254 | $8,500 | $8,500 | No Charge after Deductible |
| Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $493 | $630 | $1,338 | $7,000 | $10,600 | $95 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · HMO | $499 | $638 | $1,355 | $7,500 | $10,000 | $50 |
| Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $508 | $649 | $1,379 | $7,000 | $10,600 | $95 |
| Blue Care Bronze Standard | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $514 | $657 | $1,395 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard+ Dental + Vision (No Referrals) UnitedHealthcare · HMO | $518 | $662 | $1,405 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO | $519 | $663 | $1,409 | $0 | $10,600 | $55 |
| Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $520 | $664 | $1,411 | $4,000 | $10,600 | $60 |
| Blue Advantage Bronze Standard | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $528 | $675 | $1,434 | $7,500 | $10,000 | $50 |
| Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $533 | $681 | $1,446 | $8,500 | $8,500 | No Charge after Deductible |
| Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $536 | $685 | $1,454 | $4,000 | $10,600 | $60 |
| Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $549 | $702 | $1,491 | $8,500 | $8,500 | No Charge after Deductible |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Clear Silver with $0 Insulin Options Ambetter of North Carolina · HMO | $466 | $596 | $1,265 | $7,000 | $7,000 | $50 |
| Standard Silver Ambetter of North Carolina · HMO | $466 | $596 | $1,265 | $6,000 | $8,900 | $40 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options Ambetter of North Carolina · HMO | $478 | $611 | $1,298 | $5,900 | $8,150 | $40 |
| Standard Silver + Vision + Adult Dental Ambetter of North Carolina · HMO | $482 | $616 | $1,308 | $6,000 | $8,900 | $40 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of North Carolina · HMO | $494 | $632 | $1,342 | $5,900 | $8,150 | $40 |
| AmeriHealth Caritas Next Silver Essential + No Referrals AmeriHealth Caritas Next · HMO | $499 | $638 | $1,354 | $6,100 | $9,000 | $25 |
| AmeriHealth Caritas Next Silver Signature + No Referrals AmeriHealth Caritas Next · HMO | $503 | $643 | $1,366 | $6,000 | $8,900 | $40 |
| AmeriHealth Caritas Next Silver Premier + No Referrals AmeriHealth Caritas Next · HMO | $514 | $657 | $1,394 | $400 | $10,200 | $50 |
| Blue Value Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $560 | $715 | $1,519 | $2,800 | $10,600 | $40 |
| Blue Value Silver Standard | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $566 | $724 | $1,536 | $6,000 | $8,900 | $40 |
| Blue Value Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $579 | $740 | $1,571 | $3,000 | $10,600 | $45 |
| Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $646 | $826 | $1,753 | $2,800 | $10,600 | $40 |
| Blue Care Silver Standard | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $655 | $837 | $1,777 | $6,000 | $8,900 | $40 |
| Blue Advantage Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $666 | $851 | $1,807 | $2,800 | $10,600 | $40 |
| Blue Care Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $668 | $853 | $1,812 | $3,000 | $10,600 | $45 |
| Blue Advantage Silver Standard | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $673 | $860 | $1,826 | $6,000 | $8,900 | $40 |
| Blue Advantage Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $688 | $880 | $1,868 | $3,000 | $10,600 | $45 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO | $689 | $880 | $1,869 | $3,550 | $10,000 | $40 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · HMO | $690 | $882 | $1,873 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO | $698 | $892 | $1,895 | $2,500 | $10,150 | $30 |
| UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $707 | $904 | $1,920 | $3,550 | $10,000 | $40 |
| UHC Silver Advantage + ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $717 | $916 | $1,946 | $2,500 | $10,150 | $30 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Gold Ambetter of North Carolina · HMO | $482 | $616 | $1,308 | $2,000 | $8,200 | $30 |
| Standard Gold + Vision + Adult Dental Ambetter of North Carolina · HMO | $498 | $637 | $1,352 | $2,000 | $8,200 | $30 |
| Complete Gold Ambetter of North Carolina · HMO | $504 | $644 | $1,367 | $1,450 | $7,500 | $15 |
| AmeriHealth Caritas Next Gold Signature + No Referrals AmeriHealth Caritas Next · HMO | $515 | $658 | $1,398 | $2,000 | $8,200 | $30 |
| Complete Gold + Vision + Adult Dental Ambetter of North Carolina · HMO | $521 | $666 | $1,413 | $1,450 | $7,500 | $15 |
| AmeriHealth Caritas Next Gold Premier + No Referrals AmeriHealth Caritas Next · HMO | $535 | $684 | $1,452 | $850 | $8,500 | $15 |
| Blue Value Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $588 | $751 | $1,596 | $1,800 | $10,600 | $15 |
| Blue Value Gold Standard A | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $594 | $759 | $1,612 | $2,000 | $8,200 | $30 |
| Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $678 | $866 | $1,840 | $1,800 | $10,600 | $15 |
| Blue Care Gold Standard A | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $686 | $877 | $1,863 | $2,000 | $8,200 | $30 |
| Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $699 | $893 | $1,896 | $1,800 | $10,600 | $15 |
| Blue Advantage Gold Standard A | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $706 | $902 | $1,915 | $2,000 | $8,200 | $30 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · HMO | $764 | $976 | $2,073 | $0 | $10,600 | $20 |
| UHC Gold Standard (No Referrals) UnitedHealthcare · HMO | $768 | $981 | $2,084 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) UnitedHealthcare · HMO | $786 | $1,005 | $2,133 | $750 | $9,200 | $15 |
| UHC Gold Advantage + ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · HMO | $805 | $1,028 | $2,184 | $750 | $9,200 | $15 |
Care quality in Caldwell County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Caldwell County.
Frequently asked questions
How many Marketplace health plans are available in Caldwell County, NC for 2026?
63 plans from 4 insurers: Ambetter of North Carolina, AmeriHealth Caritas Next, Blue Cross and Blue Shield of NC, UnitedHealthcare.
What is the benchmark silver plan premium in Caldwell County, NC?
For 2026, the second-lowest-cost silver plan costs $596 a month for a 40-year-old before tax credits, up 24.2% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Caldwell County, NC?
The lowest bronze premium for a 40-year-old is $463 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Caldwell County, NC?
CareSource, WellCare of North Carolina offered plans here in 2025 but don't for 2026. If you had one of their plans, you'll need to pick a new plan during open enrollment, or you may be moved to a similar plan automatically.