2026 plan year · North Carolina
2026 health insurance plans in Polk County, NC
59 Marketplace plans from 5 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $702benchmark silver (age 40)
- $546cheapest bronze (age 40)
- 5insurers
- +26.5%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.
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 | $431 | $551 | $1,170 | $10,600 | $10,600 | $25 |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Everyday Bronze Ambetter of North Carolina · HMO | $428 | $546 | $1,160 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter of North Carolina · HMO | $429 | $548 | $1,165 | $7,500 | $10,000 | $50 |
| AmeriHealth Caritas Next Bronze Signature + No Referrals AmeriHealth Caritas Next · HMO | $436 | $557 | $1,183 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter of North Carolina · HMO | $442 | $565 | $1,199 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of North Carolina · HMO | $444 | $567 | $1,204 | $7,500 | $10,000 | $50 |
| AmeriHealth Caritas Next Bronze Premier + No Referrals AmeriHealth Caritas Next · HMO | $445 | $569 | $1,209 | $3,850 | $10,600 | $40 |
| Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $483 | $617 | $1,311 | $7,000 | $10,600 | $95 |
| Elite Bronze Ambetter of North Carolina · HMO | $486 | $621 | $1,318 | $0 | $10,500 | $60 |
| Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $498 | $636 | $1,352 | $7,000 | $10,600 | $95 |
| Elite Bronze + Vision + Adult Dental Ambetter of North Carolina · HMO | $502 | $642 | $1,363 | $0 | $10,500 | $60 |
| Blue Care Bronze Standard | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $504 | $644 | $1,367 | $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 | $510 | $651 | $1,383 | $4,000 | $10,600 | $60 |
| Bronze Classic Standard Oscar Health Plan of North Carolina, Inc · HMO | $517 | $661 | $1,403 | $7,500 | $10,000 | $50 |
| Blue Advantage Bronze Standard | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $518 | $662 | $1,406 | $7,500 | $10,000 | $50 |
| Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $522 | $668 | $1,418 | $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 | $525 | $671 | $1,425 | $4,000 | $10,600 | $60 |
| Bronze Classic 4700 Oscar Health Plan of North Carolina, Inc · HMO | $529 | $676 | $1,435 | $4,700 | $9,600 | $70 |
| Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $538 | $688 | $1,461 | $8,500 | $8,500 | No Charge after Deductible |
| Bronze Elite + PCP Saver Plus Oscar Health Plan of North Carolina, Inc · HMO | $576 | $736 | $1,564 | $0 | $10,600 | $50 |
| Connect Bronze 5500 Indiv Med Deductible Cigna Healthcare · HMO | $700 | $894 | $1,899 | $5,500 | $10,250 | $15 |
| Connect Bronze CMS Standard Cigna Healthcare · HMO | $700 | $895 | $1,901 | $7,500 | $10,000 | $50 |
| Connect Bronze 6500 Indiv Med Deductible Cigna Healthcare · HMO | $704 | $899 | $1,910 | $6,500 | $9,900 | $5 |
| Connect myDiabetesCare Bronze Cigna Healthcare · HMO | $710 | $907 | $1,926 | $6,000 | $9,900 | $10 |
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 | $549 | $702 | $1,491 | $7,000 | $7,000 | $50 |
| Standard Silver Ambetter of North Carolina · HMO | $550 | $702 | $1,492 | $6,000 | $8,900 | $40 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options Ambetter of North Carolina · HMO | $564 | $721 | $1,531 | $5,900 | $8,150 | $40 |
| AmeriHealth Caritas Next Silver Essential + No Referrals AmeriHealth Caritas Next · HMO | $565 | $722 | $1,534 | $6,100 | $9,000 | $25 |
| Standard Silver + Vision + Adult Dental Ambetter of North Carolina · HMO | $568 | $726 | $1,542 | $6,000 | $8,900 | $40 |
| AmeriHealth Caritas Next Silver Signature + No Referrals AmeriHealth Caritas Next · HMO | $570 | $729 | $1,547 | $6,000 | $8,900 | $40 |
| AmeriHealth Caritas Next Silver Premier + No Referrals AmeriHealth Caritas Next · HMO | $582 | $744 | $1,580 | $400 | $10,200 | $50 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of North Carolina · HMO | $583 | $745 | $1,582 | $5,900 | $8,150 | $40 |
| Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $633 | $809 | $1,718 | $2,800 | $10,600 | $40 |
| Blue Care Silver Standard | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $642 | $820 | $1,742 | $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 | $653 | $834 | $1,771 | $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 | $655 | $836 | $1,776 | $3,000 | $10,600 | $45 |
| Blue Advantage Silver Standard | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $660 | $843 | $1,790 | $6,000 | $8,900 | $40 |
| Silver Simple PCP Saver Oscar Health Plan of North Carolina, Inc · HMO | $662 | $846 | $1,796 | $5,500 | $9,900 | $20 |
| Silver Classic Standard Oscar Health Plan of North Carolina, Inc · HMO | $671 | $857 | $1,820 | $6,000 | $8,900 | $40 |
| Silver Simple Diabetes Oscar Health Plan of North Carolina, Inc · HMO | $672 | $858 | $1,823 | $6,500 | $10,000 | No Charge |
| Blue Advantage Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $675 | $862 | $1,831 | $3,000 | $10,600 | $45 |
| Silver Classic Oscar Health Plan of North Carolina, Inc · HMO | $680 | $868 | $1,844 | $5,400 | $9,200 | $30 |
| Connect Silver 5000 Indiv Med Deductible Cigna Healthcare · HMO | $871 | $1,113 | $2,364 | $5,000 | $8,850 | $30 |
| Connect Silver 3600 Indiv Med Deductible Cigna Healthcare · HMO | $873 | $1,115 | $2,368 | $3,600 | $9,150 | $20 |
| Connect Silver CMS Standard Cigna Healthcare · HMO | $873 | $1,116 | $2,369 | $6,000 | $8,900 | $40 |
| Connect myDiabetesCare Silver Cigna Healthcare · HMO | $883 | $1,128 | $2,396 | $4,300 | $9,200 | $10 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Gold Ambetter of North Carolina · HMO | $568 | $726 | $1,542 | $2,000 | $8,200 | $30 |
| AmeriHealth Caritas Next Gold Signature + No Referrals AmeriHealth Caritas Next · HMO | $584 | $746 | $1,584 | $2,000 | $8,200 | $30 |
| Standard Gold + Vision + Adult Dental Ambetter of North Carolina · HMO | $587 | $751 | $1,594 | $2,000 | $8,200 | $30 |
| Complete Gold Ambetter of North Carolina · HMO | $594 | $759 | $1,612 | $1,450 | $7,500 | $15 |
| AmeriHealth Caritas Next Gold Premier + No Referrals AmeriHealth Caritas Next · HMO | $606 | $775 | $1,645 | $850 | $8,500 | $15 |
| Complete Gold + Vision + Adult Dental Ambetter of North Carolina · HMO | $614 | $785 | $1,666 | $1,450 | $7,500 | $15 |
| Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $664 | $849 | $1,803 | $1,800 | $10,600 | $15 |
| Blue Care Gold Standard A | Statewide Doctors Blue Cross and Blue Shield of NC · HMO | $673 | $860 | $1,826 | $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 | $685 | $875 | $1,859 | $1,800 | $10,600 | $15 |
| Blue Advantage Gold Standard A | Nationwide Doctors Blue Cross and Blue Shield of NC · PPO | $692 | $884 | $1,877 | $2,000 | $8,200 | $30 |
| Gold Classic Standard Oscar Health Plan of North Carolina, Inc · HMO | $722 | $923 | $1,960 | $2,000 | $8,200 | $30 |
| Connect Gold CMS Standard Cigna Healthcare · HMO | $1,050 | $1,342 | $2,851 | $2,000 | $8,200 | $30 |
| Connect Gold 1500 Indiv Med Deductible Cigna Healthcare · HMO | $1,052 | $1,345 | $2,856 | $1,500 | $9,950 | $15 |
Care quality in Polk 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 Polk County.
Frequently asked questions
How many Marketplace health plans are available in Polk County, NC for 2026?
59 plans from 5 insurers: Ambetter of North Carolina, AmeriHealth Caritas Next, Blue Cross and Blue Shield of NC, Cigna Healthcare, Oscar Health Plan of North Carolina, Inc.
What is the benchmark silver plan premium in Polk County, NC?
For 2026, the second-lowest-cost silver plan costs $702 a month for a 40-year-old before tax credits, up 26.5% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Polk County, NC?
The lowest bronze premium for a 40-year-old is $546 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Polk 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.