2026 plan year · North Carolina
2026 health insurance plans in Gaston County, NC
60 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.
- $640benchmark silver (age 40)
- $493cheapest bronze (age 40)
- 3insurers
- +22.7%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: Aetna CVS Health, CareSource, WellCare of North Carolina. See what to do if your insurer leaves.
- New here: Cigna Healthcare.
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Everyday Bronze with Atrium Health Ambetter of North Carolina · HMO | $386 | $493 | $1,047 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze with Atrium Health Ambetter of North Carolina · HMO | $387 | $495 | $1,051 | $7,500 | $10,000 | $50 |
| Everyday Bronze with Atrium Health + Vision + Adult Dental Ambetter of North Carolina · HMO | $399 | $509 | $1,082 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze with Atrium Health + Vision + Adult Dental Ambetter of North Carolina · HMO | $400 | $511 | $1,086 | $7,500 | $10,000 | $50 |
| Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $430 | $550 | $1,168 | $7,000 | $10,600 | $95 |
| Elite Bronze with Atrium Health Ambetter of North Carolina · HMO | $438 | $560 | $1,189 | $0 | $10,500 | $60 |
| Connect Bronze 5500 Indiv Med Deductible Cigna Healthcare · HMO | $441 | $563 | $1,196 | $5,500 | $10,250 | $15 |
| Connect Bronze CMS Standard Cigna Healthcare · HMO | $441 | $564 | $1,197 | $7,500 | $10,000 | $50 |
| Connect Bronze 6500 Indiv Med Deductible Cigna Healthcare · HMO | $443 | $566 | $1,202 | $6,500 | $9,900 | $5 |
| Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health Blue Cross and Blue Shield of NC · EPO | $447 | $571 | $1,212 | $7,000 | $10,600 | $95 |
| Connect myDiabetesCare Bronze Cigna Healthcare · HMO | $447 | $571 | $1,213 | $6,000 | $9,900 | $10 |
| Blue Value Bronze Standard | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $448 | $572 | $1,215 | $7,500 | $10,000 | $50 |
| Elite Bronze with Atrium Health + Vision + Adult Dental Ambetter of North Carolina · HMO | $453 | $579 | $1,229 | $0 | $10,500 | $60 |
| Blue Value Bronze Complete | $60 PCP | $20 Tier 1 Rx | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $454 | $580 | $1,232 | $4,000 | $10,600 | $60 |
| Blue Local Bronze Standard | with Atrium Health Blue Cross and Blue Shield of NC · EPO | $465 | $594 | $1,261 | $7,500 | $10,000 | $50 |
| Blue Value Bronze HSA Eligible | Integrated | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $466 | $595 | $1,264 | $8,500 | $8,500 | No Charge after Deductible |
| Blue Local Bronze Complete | $60 PCP | $20 Tier 1 Rx | with Atrium Health Blue Cross and Blue Shield of NC · EPO | $471 | $602 | $1,278 | $4,000 | $10,600 | $60 |
| Blue Local Bronze HSA Eligible | Integrated | with Atrium Health Blue Cross and Blue Shield of NC · EPO | $483 | $617 | $1,311 | $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 | $527 | $674 | $1,430 | $7,000 | $10,600 | $95 |
| Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $543 | $694 | $1,474 | $7,000 | $10,600 | $95 |
| Blue Care Bronze Standard | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $550 | $702 | $1,492 | $7,500 | $10,000 | $50 |
| Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $556 | $710 | $1,509 | $4,000 | $10,600 | $60 |
| Blue Advantage Bronze Standard | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $565 | $722 | $1,533 | $7,500 | $10,000 | $50 |
| Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $570 | $728 | $1,547 | $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 | $573 | $732 | $1,555 | $4,000 | $10,600 | $60 |
| Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $587 | $751 | $1,594 | $8,500 | $8,500 | No Charge after Deductible |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Silver with Atrium Health Ambetter of North Carolina · HMO | $496 | $634 | $1,346 | $6,000 | $8,900 | $40 |
| Focused Silver with Atrium Health Ambetter of North Carolina · HMO | $501 | $640 | $1,359 | $6,300 | $8,400 | $40 |
| Standard Silver with Atrium Health + Vision + Adult Dental Ambetter of North Carolina · HMO | $513 | $655 | $1,391 | $6,000 | $8,900 | $40 |
| Focused Silver with Atrium Health + Vision + Adult Dental Ambetter of North Carolina · HMO | $518 | $662 | $1,405 | $6,300 | $8,400 | $40 |
| Connect Silver 5000 Indiv Med Deductible Cigna Healthcare · HMO | $548 | $701 | $1,488 | $5,000 | $8,850 | $30 |
| Connect Silver 3600 Indiv Med Deductible Cigna Healthcare · HMO | $549 | $702 | $1,491 | $3,600 | $9,150 | $20 |
| Connect Silver CMS Standard Cigna Healthcare · HMO | $550 | $702 | $1,491 | $6,000 | $8,900 | $40 |
| Connect myDiabetesCare Silver Cigna Healthcare · HMO | $556 | $710 | $1,508 | $4,300 | $9,200 | $10 |
| Blue Value Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $564 | $721 | $1,531 | $2,800 | $10,600 | $40 |
| Blue Value Silver Standard | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $570 | $729 | $1,548 | $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 | $583 | $745 | $1,583 | $3,000 | $10,600 | $45 |
| Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health Blue Cross and Blue Shield of NC · EPO | $585 | $748 | $1,589 | $2,800 | $10,600 | $40 |
| Blue Local Silver Standard | with Atrium Health Blue Cross and Blue Shield of NC · EPO | $592 | $756 | $1,606 | $6,000 | $8,900 | $40 |
| Blue Local Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with Atrium Health Blue Cross and Blue Shield of NC · EPO | $605 | $773 | $1,642 | $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 | $691 | $883 | $1,875 | $2,800 | $10,600 | $40 |
| Blue Care Silver Standard | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $700 | $895 | $1,900 | $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 | $712 | $910 | $1,932 | $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 | $714 | $913 | $1,938 | $3,000 | $10,600 | $45 |
| Blue Advantage Silver Standard | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $720 | $920 | $1,953 | $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 | $736 | $941 | $1,997 | $3,000 | $10,600 | $45 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Gold with Atrium Health Ambetter of North Carolina · HMO | $513 | $655 | $1,391 | $2,000 | $8,200 | $30 |
| Standard Gold with Atrium Health + Vision + Adult Dental Ambetter of North Carolina · HMO | $530 | $677 | $1,438 | $2,000 | $8,200 | $30 |
| Complete Gold with Atrium Health Ambetter of North Carolina · HMO | $536 | $685 | $1,454 | $1,450 | $7,500 | $15 |
| Complete Gold with Atrium Health + Vision + Adult Dental Ambetter of North Carolina · HMO | $554 | $708 | $1,503 | $1,450 | $7,500 | $15 |
| Blue Value Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $592 | $757 | $1,608 | $1,800 | $10,600 | $15 |
| Blue Value Gold Standard A | Limited Statewide Doctors Blue Cross and Blue Shield of NC · POS | $598 | $765 | $1,624 | $2,000 | $8,200 | $30 |
| Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health Blue Cross and Blue Shield of NC · EPO | $614 | $785 | $1,667 | $1,800 | $10,600 | $15 |
| Blue Local Gold Standard A | with Atrium Health Blue Cross and Blue Shield of NC · EPO | $620 | $793 | $1,684 | $2,000 | $8,200 | $30 |
| Connect Gold CMS Standard Cigna Healthcare · HMO | $661 | $845 | $1,795 | $2,000 | $8,200 | $30 |
| Connect Gold 1500 Indiv Med Deductible Cigna Healthcare · HMO | $662 | $847 | $1,798 | $1,500 | $9,950 | $15 |
| Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $725 | $926 | $1,967 | $1,800 | $10,600 | $15 |
| Blue Care Gold Standard A | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $734 | $938 | $1,992 | $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 | $747 | $955 | $2,028 | $1,800 | $10,600 | $15 |
| Blue Advantage Gold Standard A | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $755 | $964 | $2,048 | $2,000 | $8,200 | $30 |
Care quality in Gaston 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 Gaston County.
Frequently asked questions
How many Marketplace health plans are available in Gaston County, NC for 2026?
60 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 Gaston County, NC?
For 2026, the second-lowest-cost silver plan costs $640 a month for a 40-year-old before tax credits, up 22.7% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Gaston County, NC?
The lowest bronze premium for a 40-year-old is $493 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Gaston County, NC?
Aetna CVS Health, 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.