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North Carolina · 2026 plan year

Gold health insurance plans in North Carolina

There are 49 Gold plans on the North Carolina Marketplace from 6 insurers, and they are not interchangeable — premiums run from $437 to $833 a month for the same metal tier. Here is what separates them.

49
Gold plans
6
Insurers
100
Counties covered
$437
Cheapest premium
$1,768
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.

One carrier files 61% of North Carolina's Gold plans.

Blue Cross and Blue Shield of NC accounts for 30 of the 49 Gold plans in North Carolina. A long plan list can look like a wide choice while most of it resolves to one network and one formulary — worth knowing before you treat plan count as a measure of competition.

North Carolina Gold premiums rank 15th cheapest of 30.

Averaged across all 49 plans, Gold coverage in North Carolina costs $558 a month before subsidies — 15th 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 Gold plans in North Carolina

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Standard Gold with Atrium HealthAmbetter of North Carolina$437$2,000$8,200
Standard Gold with Atrium Health + Vision + Adult DentalAmbetter of North Carolina$452$2,000$8,200
Complete Gold with Atrium HealthAmbetter of North Carolina$457$1,450$7,500
Complete Gold with Atrium Health + Vision + Adult DentalAmbetter of North Carolina$472$1,450$7,500
AmeriHealth Caritas Next Gold Signature + No ReferralsAmeriHealth Caritas Next$477$2,000$8,200

Showing 5 of 49. See all North Carolina Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Blue Cross and Blue Shield of NC30$480$561
Ambetter of North Carolina8$437$478
UnitedHealthcare4$647$661
Cigna Healthcare3$644$707
AmeriHealth Caritas Next2$477$487
Oscar Health Plan of North Carolina, Inc2$491$495
Other tiers in North Carolina

How Gold compares to the rest

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

All North CarolinaMarketplace plans →

Nearby on price

States with similar Gold premiums

South Dakota
Avg $555
20 Gold plans
Louisiana
Avg $559
29 Gold plans
Arkansas
Avg $560
18 Gold plans
Common questions

North Carolina Gold plans, answered

What are the copays on a North Carolina Gold 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 49 Gold plans in North Carolina, deductibles average $1,768 and the out-of-pocket maximum averages $9,009. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in North Carolina?
Any North Carolina Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,768 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a North Carolina Gold plan?
The average across all 49 Gold plans in North Carolina is $1,768, with an average out-of-pocket maximum of $9,009. 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 Gold plans available in my North Carolina county?
Gold 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 Gold premiums in North Carolina start at $437 a month before any subsidy.

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