ACA plans available
16
Plan year
2026 data Public-data reference. official source
Chatham, North Carolina Health Insurance
Open-data reference.
16 ACA plans from 2 issuers — Plan year 2026
Chatham, North Carolina offers 16 ACA marketplace plans from 2 issuers for plan year 2026. Silver plans start at $494/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$659
Avg Silver Premium/mo
$500
Benchmark Premium/mo
+19.3%
Year-over-Year Change
$4,850
Avg Deductible
What the Numbers Say About Chatham
Chatham, North Carolina has 16 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $659/mo for a 27-year-old non-tobacco user, with the lowest Silver at $494 and the highest at $819.
The benchmark (second-lowest Silver) premium is $500/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,850 and the average out-of-pocket maximum is $9,622 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Chatham shifted by +19.3%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Chatham, consumers have some competitive choice, though narrower than the most competitive counties. 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
Silver
6 plans$659/mo avg
$494 — $819
Gold
3 plans$675/mo avg
$519 — $983
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) 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. The higher the benchmark, the larger the potential subsidy.
Issuers in market
2
Some competition
Benchmark Silver
$500 /mo
Sets your subsidy ceiling
Avg deductible
$4,850
Across all metal tiers
Chatham ACA plans by premium and deductible
Each marker is the Chatham average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Chatham, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
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 |
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
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in North Carolina
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Chatham, NC?
There are 16 ACA marketplace plans available in Chatham from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Chatham?
Silver plans in Chatham start at $494/mo (age 27). 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.
How have premiums changed in Chatham?
Average premiums in Chatham changed by +19.3% 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 Chatham?
The average annual deductible across all plans in Chatham is $4,850, and the average out-of-pocket maximum is $9,622. 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 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.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
