2026 plan year · North Carolina
2026 health insurance plans in Durham County, NC
31 Marketplace plans from 3 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $610benchmark silver (age 40)
- $460cheapest bronze (age 40)
- 3insurers
- +23.3%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: Aetna CVS Health, WellCare of North Carolina. See what to do if your insurer leaves.
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance Blue Cross and Blue Shield of NC · EPO | $360 | $460 | $977 | $7,000 | $10,600 | $95 |
| Blue Home Bronze Standard | with UNC Health Alliance Blue Cross and Blue Shield of NC · EPO | $374 | $478 | $1,016 | $7,500 | $10,000 | $50 |
| Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance Blue Cross and Blue Shield of NC · EPO | $379 | $485 | $1,030 | $4,000 | $10,600 | $60 |
| Everyday Bronze Ambetter of North Carolina · HMO | $383 | $489 | $1,039 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter of North Carolina · HMO | $384 | $491 | $1,043 | $7,500 | $10,000 | $50 |
| Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance Blue Cross and Blue Shield of NC · EPO | $389 | $497 | $1,056 | $8,500 | $8,500 | No Charge after Deductible |
| Everyday Bronze + Vision + Adult Dental Ambetter of North Carolina · HMO | $396 | $506 | $1,074 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of North Carolina · HMO | $397 | $508 | $1,078 | $7,500 | $10,000 | $50 |
| Elite Bronze Ambetter of North Carolina · HMO | $435 | $556 | $1,180 | $0 | $10,500 | $60 |
| Elite Bronze + Vision + Adult Dental Ambetter of North Carolina · HMO | $450 | $575 | $1,220 | $0 | $10,500 | $60 |
| Connect Bronze RD 6000 Indiv Med Deductible Cigna Healthcare · HMO | $624 | $798 | $1,695 | $6,000 | $10,300 | $10 |
| Connect Bronze RD CMS Standard Cigna Healthcare · HMO | $626 | $800 | $1,698 | $7,500 | $10,000 | $50 |
| Connect Bronze RD 5000 Indiv Med Deductible Cigna Healthcare · HMO | $636 | $813 | $1,727 | $5,000 | $9,700 | $15 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance Blue Cross and Blue Shield of NC · EPO | $472 | $603 | $1,280 | $2,800 | $10,600 | $40 |
| Blue Home Silver Standard | with UNC Health Alliance Blue Cross and Blue Shield of NC · EPO | $477 | $610 | $1,294 | $6,000 | $8,900 | $40 |
| Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance Blue Cross and Blue Shield of NC · EPO | $488 | $623 | $1,323 | $3,000 | $10,600 | $45 |
| Clear Silver with $0 Insulin Options Ambetter of North Carolina · HMO | $492 | $629 | $1,335 | $7,000 | $7,000 | $50 |
| Standard Silver Ambetter of North Carolina · HMO | $492 | $629 | $1,336 | $6,000 | $8,900 | $40 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options Ambetter of North Carolina · HMO | $505 | $645 | $1,371 | $5,900 | $8,150 | $40 |
| Standard Silver + Vision + Adult Dental Ambetter of North Carolina · HMO | $509 | $650 | $1,381 | $6,000 | $8,900 | $40 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of North Carolina · HMO | $522 | $667 | $1,417 | $5,900 | $8,150 | $40 |
| Connect Silver RD 5000 Indiv Med Deductible Cigna Healthcare · HMO | $776 | $991 | $2,105 | $5,000 | $9,250 | $25 |
| Connect Silver RD CMS Standard Cigna Healthcare · HMO | $780 | $996 | $2,116 | $6,000 | $8,900 | $40 |
| Connect Silver RD 3500 Indiv Med Deductible Cigna Healthcare · HMO | $782 | $999 | $2,122 | $3,500 | $9,000 | $25 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance Blue Cross and Blue Shield of NC · EPO | $495 | $633 | $1,343 | $1,800 | $10,600 | $15 |
| Blue Home Gold Standard A | with UNC Health Alliance Blue Cross and Blue Shield of NC · EPO | $500 | $639 | $1,357 | $2,000 | $8,200 | $30 |
| Standard Gold Ambetter of North Carolina · HMO | $509 | $650 | $1,381 | $2,000 | $8,200 | $30 |
| Standard Gold + Vision + Adult Dental Ambetter of North Carolina · HMO | $526 | $672 | $1,427 | $2,000 | $8,200 | $30 |
| Complete Gold Ambetter of North Carolina · HMO | $532 | $680 | $1,444 | $1,450 | $7,500 | $15 |
| Complete Gold + Vision + Adult Dental Ambetter of North Carolina · HMO | $550 | $703 | $1,492 | $1,450 | $7,500 | $15 |
| Connect Gold RD CMS Standard Cigna Healthcare · HMO | $938 | $1,199 | $2,546 | $2,000 | $8,200 | $30 |
Care quality in Durham 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 Durham County.
Frequently asked questions
How many Marketplace health plans are available in Durham County, NC for 2026?
31 plans from 3 insurers: Ambetter of North Carolina, Blue Cross and Blue Shield of NC, Cigna Healthcare.
What is the benchmark silver plan premium in Durham County, NC?
For 2026, the second-lowest-cost silver plan costs $610 a month for a 40-year-old before tax credits, up 23.3% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Durham County, NC?
The lowest bronze premium for a 40-year-old is $460 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Durham County, NC?
Aetna CVS Health, 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.