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North Carolina · 2026 plan year

Silver health insurance plans in North Carolina (2026)

There are 74 Silver plans on the North Carolina Marketplace from 6 insurers, and they are not interchangeable — premiums run from $423 to $694 a month for the same metal tier. Here is what separates them.

74
Silver plans
6
Insurers
100
Counties covered
$423
Cheapest premium
$6,000
Median 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.

North Carolina Silver premiums rank 17th cheapest of 35.

Averaged across all 74 plans, Silver coverage in North Carolina costs $525 a month before subsidies — 17th lowest of the 35 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.

Cost

What a Silver plan costs in North Carolina in 2026

Across all 74 Silver plans in North Carolina, monthly premiums run from $423 to $694, averaging $525. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most North Carolina enrollees, often to a fraction of the sticker price.

Deductibles

Silver plan deductibles in North Carolina

Silver deductibles in North Carolina run from $400 to $7,000, with a median of $6,000 across the 65 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $4,866 because the spread is not symmetric. The other 9 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Silver out-of-pocket maximums in North Carolina

Individual out-of-pocket maximums on North Carolina Silver plans run from $7,000 to $10,600, with a median of $9,225. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Silver plans in North Carolina

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Standard Silver with Atrium HealthAmbetter of North Carolina$423$6,000$8,900
Focused Silver with Atrium HealthAmbetter of North Carolina$427$6,300$8,400
Standard Silver with Atrium Health + Vision + Adult DentalAmbetter of North Carolina$437$6,000$8,900
Focused Silver with Atrium Health + Vision + Adult DentalAmbetter of North Carolina$441$6,300$8,400
Silver Simple PCP Saver | with Atrium HealthOscar Health Plan of North Carolina, Inc$450$5,500$9,900

Showing 5 of 74. See all North Carolina Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Blue Cross and Blue Shield of NC39$457$542$2,800–$6,000
Oscar Health Plan of North Carolina, Inc11$450$460$5,400–$6,500
Ambetter of North Carolina9$423$457$5,900–$7,000
Cigna Healthcare7$534$603$3,500–$6,000
UnitedHealthcare5$583$593$2,500–$6,000
AmeriHealth Caritas Next3$462$468$400–$6,100
Other tiers in North Carolina

How Silver compares to the rest

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

All North CarolinaMarketplace plans →

Nearby on price

States with similar Silver premiums

Missouri
Avg $512
42 Silver plans
South Dakota
Avg $528
22 Silver plans
Louisiana
Avg $540
36 Silver plans
Common questions

North Carolina Silver plans, answered

What are the copays on North Carolina Silver plans?
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. What the tier does bound is the rest of the cost-sharing: across the 74 Silver plans in North Carolina, out-of-pocket maximums run $7,000 to $10,600, and deductibles on the 65 plans with one combined deductible run $400 to $7,000. The other 9 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in North Carolina?
Anyone eligible to buy Marketplace coverage in North Carolina can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($525 a month on average) is higher than Gold in some states.
What is the deductible on North Carolina Silver plans?
Silver deductibles in North Carolina run from $400 to $7,000 across the 65 plans with one combined deductible, with a median of $6,000 — that median is the figure closest to a typical plan. The other 9 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $7,000 to $10,600. The spread inside a single 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 Silver plans available in my North Carolina county?
Silver 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 Marketplace plan in North Carolina?
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 Silver premiums in North Carolina start at $423 a month before any subsidy.

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