ACA plans available
16
Plan year 2026
CMS Marketplace county · plan year 2026
Chatham, North Carolina ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $659
- Silver avg/mo
- 16
- ACA plans
- 2
- Issuers
- +7.0%
- YoY premium
Silver avg $659/mo
Chatham, North Carolina has 16 ACA marketplace plans from 2 issuers (plan year 2026). Average Silver premium is $659/mo; Bronze averages $507/mo and Gold $675/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #806 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $500/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Chatham, North Carolina ranks #806 of 2,055 counties by listed Silver average ($659/mo) and #1,954 of 2,055 by plan count (16 plans).
- #806 of 2,055
- Silver average among 2,055 counties
- $659
- Listed Silver average /mo
- #1,954 of 2,055
- Plan count among 2,055 counties
- 16
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Chatham, North Carolina offers 16 ACA marketplace plans from 2 issuers for plan year 2026. Bronze plans start at $377/mo and Silver plans start at $494/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$659
Avg Silver Premium/mo
$500
Benchmark Premium/mo
+7.0%
Year-over-Year Change
$4,850
Avg Deductible
Thin plan inventory
Chatham marketplace standing
16 plans: bottom-third inventory vs other tracked counties. Corpus place #806 of 2055 (highest Silver = #1).
Mid-pack Silver avg $659/mo with 16 plans . YoY average shift: +7.0%. Network types split fairly evenly here between EPO and HMO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
7 plans$507/mo avg
$377 - $667
Silver
6 plans$659/mo avg
$494 - $819
Gold
3 plans$675/mo avg
$519 - $983
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Chatham 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.
Issuers in market
2
Some competition
Benchmark Silver
$500 /mo
Sets your subsidy ceiling
Avg deductible
$4,850
Across all metal tiers
F
Marketplace Access Score
36/100
Chatham
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability F
$500/mo
Benchmark Silver premium; rank #806 of 2055 tracked counties (cheapest first)
Plan Choice F
16 plans
ACA marketplace plan count; rank #1954 of 2055 tracked counties (most first)
Issuer Competition F
2 issuers
Distinct marketplace issuers; rank #1684 of 2055 tracked counties (most first)
Cost Predictability B
$4,850
Average deductible across tracked plans; rank #1460 of 2055 tracked counties (lowest first)
Chatham ACA plans by premium and deductible
Each marker is the Chatham 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.
Chatham ACA marketplace plans: premium vs deductible
How Chatham's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Chatham vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$659 806th of 2055 higher than 1,249 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Chatham
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of NC | 9 | $458/mo |
| Cigna Healthcare | 7 | $773/mo |
All Plans in Chatham
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
| 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 | $510/mo | $390 | $925 | 16 | 4 |
| 2025 | $564/mo | $400 | $981 | 13 | 4 |
| 2026 | $659/mo | $494 | $819 | 6 | 2 |
What this means for Chatham
Use Chatham's own numbers here, not a national average, before you enroll.
- $659/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 16 plans from 2 issuers puts Chatham in the thinnest third of tracked counties -- check the rest of North Carolina for more options. All of North Carolina
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Where does Chatham sit on Silver premiums vs other counties?
Chatham ranks #806 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $659/mo. See /methodology#corpus-placement.
Why does Chatham carry a thin ACA plan book?
Chatham lists 16 marketplace plans from 2 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Chatham?
The lowest-premium plan in Chatham starts at $377/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 Chatham?
The benchmark (second-lowest Silver) premium in Chatham is $500/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Chatham premiums rise +7.0% year-over-year?
The average age-27 premium in Chatham changed by +7.0% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
How limited is issuer competition in Chatham?
Only 2 issuers sell marketplace plans in Chatham (Blue Cross and Blue Shield of NC and Cigna Healthcare). Narrow competition often correlates with higher benchmark premiums.
Which insurance companies offer plans in Chatham?
There are 2 insurance issuers offering ACA marketplace plans in Chatham, including Blue Cross and Blue Shield of NC, Cigna Healthcare. 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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Chatham, NC's $500/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.