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North Carolina · 2026 plan year

Bronze health insurance plans in North Carolina

There are 83 Bronze plans on the North Carolina Marketplace from 6 insurers, and they are not interchangeable — premiums run from $329 to $565 a month for the same metal tier. Here is what separates them.

83
Bronze plans
6
Insurers
100
Counties covered
$329
Cheapest premium
$6,340
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Every North Carolina Bronze plan is HSA-eligible.

All 83 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, which averages $6,340 in this tier.

North Carolina Bronze premiums rank 19th cheapest of 30.

Averaged across all 83 plans, Bronze coverage in North Carolina costs $414 a month before subsidies — 19th lowest of the 30 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Bronze plans in North Carolina

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Everyday Bronze with Atrium HealthAmbetter of North Carolina$329$8,450$10,150
Standard Expanded Bronze with Atrium HealthAmbetter of North Carolina$330$7,500$10,000
Everyday Bronze with Atrium Health + Vision + Adult DentalAmbetter of North Carolina$340$8,450$10,150
Standard Expanded Bronze with Atrium Health + Vision + Adult DentalAmbetter of North Carolina$341$7,500$10,000
Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health AllianceBlue Cross and Blue Shield of NC$349$7,000$10,600

Showing 5 of 83. See all North Carolina Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier average
Blue Cross and Blue Shield of NC48$349$426
Ambetter of North Carolina12$329$368
Oscar Health Plan of North Carolina, Inc9$352$368
Cigna Healthcare7$429$486
UnitedHealthcare4$400$425
AmeriHealth Caritas Next3$352$358
Other tiers in North Carolina

How Bronze compares to the rest

Bronze
Avg $414 · from $329
83 plans · you are here
Silver
Avg $525 · from $423
74 plans
Gold
Avg $558 · from $437
49 plans

All North CarolinaMarketplace plans →

Nearby on price

States with similar Bronze premiums

Texas
Avg $410
225 Bronze plans
Kansas
Avg $416
24 Bronze plans
Tennessee
Avg $440
63 Bronze plans
Common questions

North Carolina Bronze plans, answered

What are the copays on a North Carolina Bronze plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 83 Bronze plans in North Carolina, deductibles average $6,340 and the out-of-pocket maximum averages $10,082. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in North Carolina?
Any North Carolina Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on a North Carolina Bronze plan?
The average across all 83 Bronze plans in North Carolina is $6,340, with an average out-of-pocket maximum of $10,082. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my North Carolina county?
Bronze plans are sold in 100 North Carolina counties, from 6 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a North Carolina Marketplace plan?
North Carolina uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in North Carolina start at $329 a month before any subsidy.

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