ACA plans available
45
Plan year 2026
2026 data Public-data reference. official source
Alamance, North Carolina Health Insurance
Open-data reference.
45 ACA plans from 5 issuers — Plan year 2026
Alamance, North Carolina offers 45 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $452/mo and Silver plans start at $494/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$629
Avg Silver Premium/mo
$500
Benchmark Premium/mo
+25.9%
Year-over-Year Change
$4,755
Avg Deductible
What the Numbers Say About Alamance
Alamance, North Carolina has 45 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $629/mo for a 27-year-old non-tobacco user, with the lowest Silver at $494 and the highest at $819. Bronze plans start at $452/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $500/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,755 and the average out-of-pocket maximum is $9,643 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Alamance shifted by +25.9%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 5 issuers active in Alamance, consumers have meaningful competition to pressure premiums lower. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
2 plans$461/mo avg
$452 — $470
Silver
18 plans$629/mo avg
$494 — $819
Gold
10 plans$694/mo avg
$519 — $983
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Alamance is $500/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
5
Competitive market
Benchmark Silver
$500 /mo
Sets your subsidy ceiling
Avg deductible
$4,755
Across all metal tiers
Alamance ACA plans by premium and deductible
Each marker is the Alamance average for one metal tier — monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Alamance, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Alamance
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| UnitedHealthcare | 13 | $660/mo |
| Blue Cross and Blue Shield of NC | 9 | $458/mo |
| AmeriHealth Caritas Next | 8 | $553/mo |
| Oscar Health Plan of North Carolina, Inc | 8 | $487/mo |
| Cigna Healthcare | 7 | $773/mo |
All Plans in Alamance
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| AmeriHealth Caritas Next Bronze Essential + No Referrals AmeriHealth Caritas Next | Bronze | HMO | $451.76 | $550.91 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals UnitedHealthcare | Bronze | HMO | $470.02 | $573.17 | $10,600 | $10,600 |
| Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance Blue Cross and Blue Shield of NC | Expanded Bronze | EPO | $377.15 | $459.93 | $7,000 | $10,600 |
| Blue Home Bronze Standard | with UNC Health Alliance Blue Cross and Blue Shield of NC | Expanded Bronze | EPO | $392.35 | $478.46 | $7,500 | $10,000 |
| Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance Blue Cross and Blue Shield of NC | Expanded Bronze | EPO | $397.62 | $484.89 | $4,000 | $10,600 |
| Bronze Classic Standard Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $400.38 | $488.25 | $7,500 | $10,000 |
| Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance Blue Cross and Blue Shield of NC | Expanded Bronze | EPO | $407.89 | $497.41 | $8,500 | $8,500 |
| Bronze Classic 4700 Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $409.66 | $499.57 | $4,700 | $9,600 |
| Bronze Elite + PCP Saver Plus Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $446.28 | $544.22 | $0 | $10,600 |
| AmeriHealth Caritas Next Bronze Signature + No Referrals AmeriHealth Caritas Next | Expanded Bronze | HMO | $456.84 | $557.10 | $7,500 | $10,000 |
| AmeriHealth Caritas Next Bronze Premier + No Referrals AmeriHealth Caritas Next | Expanded Bronze | HMO | $466.75 | $569.19 | $3,850 | $10,600 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $496.46 | $605.41 | $7,500 | $10,000 |
| UHC Bronze Standard+ Dental + Vision (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $514.99 | $628.01 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $516.21 | $629.50 | $0 | $10,600 |
| Connect Bronze RD 6000 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | HMO | $654.44 | $798.07 | $6,000 | $10,300 |
| Connect Bronze RD CMS Standard Cigna Healthcare | Expanded Bronze | HMO | $655.70 | $799.61 | $7,500 | $10,000 |
| Connect Bronze RD 5000 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | HMO | $667.02 | $813.41 | $5,000 | $9,700 |
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance Blue Cross and Blue Shield of NC | Silver | EPO | $494.39 | $602.90 | $2,800 | $10,600 |
| Blue Home Silver Standard | with UNC Health Alliance Blue Cross and Blue Shield of NC | Silver | EPO | $499.85 | $609.55 | $6,000 | $8,900 |
| Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance Blue Cross and Blue Shield of NC | Silver | EPO | $511.03 | $623.18 | $3,000 | $10,600 |
| Silver Simple PCP Saver Oscar Health Plan of North Carolina, Inc | Silver | HMO | $512.62 | $625.12 | $5,500 | $9,900 |
| Silver Classic Standard Oscar Health Plan of North Carolina, Inc | Silver | HMO | $519.49 | $633.51 | $6,000 | $8,900 |
| Silver Simple Diabetes Oscar Health Plan of North Carolina, Inc | Silver | HMO | $520.25 | $634.42 | $6,500 | $10,000 |
| Silver Classic Oscar Health Plan of North Carolina, Inc | Silver | HMO | $526.35 | $641.87 | $5,400 | $9,200 |
| AmeriHealth Caritas Next Silver Essential + No Referrals AmeriHealth Caritas Next | Silver | HMO | $592.41 | $722.43 | $6,100 | $9,000 |
| AmeriHealth Caritas Next Silver Signature + No Referrals AmeriHealth Caritas Next | Silver | HMO | $597.49 | $728.62 | $6,000 | $8,900 |
| AmeriHealth Caritas Next Silver Premier + No Referrals AmeriHealth Caritas Next | Silver | HMO | $610.03 | $743.91 | $400 | $10,200 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | HMO | $685.04 | $835.38 | $3,550 | $10,000 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $686.32 | $836.94 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $694.51 | $846.94 | $2,500 | $10,150 |
| UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $703.57 | $857.98 | $3,550 | $10,000 |
| UHC Silver Advantage + ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $713.04 | $869.53 | $2,500 | $10,150 |
| Connect Silver RD 5000 Indiv Med Deductible Cigna Healthcare | Silver | HMO | $812.97 | $991.38 | $5,000 | $9,250 |
| Connect Silver RD CMS Standard Cigna Healthcare | Silver | HMO | $817.13 | $996.46 | $6,000 | $8,900 |
| Connect Silver RD 3500 Indiv Med Deductible Cigna Healthcare | Silver | HMO | $819.45 | $999.29 | $3,500 | $9,000 |
| Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance Blue Cross and Blue Shield of NC | Gold | EPO | $518.77 | $632.62 | $1,800 | $10,600 |
| Blue Home Gold Standard A | with UNC Health Alliance Blue Cross and Blue Shield of NC | Gold | EPO | $524.04 | $639.05 | $2,000 | $8,200 |
| Gold Classic Standard Oscar Health Plan of North Carolina, Inc | Gold | HMO | $559.34 | $682.09 | $2,000 | $8,200 |
| AmeriHealth Caritas Next Gold Signature + No Referrals AmeriHealth Caritas Next | Gold | HMO | $611.68 | $745.92 | $2,000 | $8,200 |
| AmeriHealth Caritas Next Gold Premier + No Referrals AmeriHealth Caritas Next | Gold | HMO | $635.36 | $774.79 | $850 | $8,500 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | HMO | $759.73 | $926.46 | $0 | $10,600 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $763.57 | $931.15 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $781.77 | $953.34 | $750 | $9,200 |
| UHC Gold Advantage + ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $800.30 | $975.93 | $750 | $9,200 |
| Connect Gold RD CMS Standard Cigna Healthcare | Gold | HMO | $983.31 | $1,199.11 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $433/mo | $368 | $851 | 21 | 6 |
| 2023 | $460/mo | $387 | $851 | 25 | 5 |
| 2024 | $489/mo | $390 | $925 | 21 | 5 |
| 2025 | $522/mo | $378 | $981 | 25 | 7 |
| 2026 | $629/mo | $494 | $819 | 18 | 5 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Explore North Carolina ACA Data
All of North Carolina
Statewide premiums, every county ranked by Silver average
Cheapest states
Where ACA premiums are lowest nationwide
Estimate your subsidy
Premium tax credit calculator using your county benchmark
Frequently Asked Questions
How many ACA plans are available in Alamance, NC?
There are 45 ACA marketplace plans available in Alamance from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Alamance?
The lowest-premium plan in Alamance starts at $452/mo (Bronze tier, age 27). Silver plans start at $494/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Alamance?
The benchmark (second-lowest Silver) premium in Alamance is $500/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Alamance?
Average premiums in Alamance changed by +25.9% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Alamance?
The average annual deductible across all plans in Alamance is $4,755, and the average out-of-pocket maximum is $9,643. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Alamance?
There are 5 insurance issuers offering ACA marketplace plans in Alamance, including UnitedHealthcare, Blue Cross and Blue Shield of NC, AmeriHealth Caritas Next, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
