ACA plans available
64
Plan year
2026 data Public-data reference. official source
Cleveland, North Carolina Health Insurance
Open-data reference.
64 ACA plans from 3 issuers — Plan year 2026
Cleveland, North Carolina offers 64 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $509/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$604
Avg Silver Premium/mo
$516
Benchmark Premium/mo
+25.3%
Year-over-Year Change
$5,016
Avg Deductible
What the Numbers Say About Cleveland
Cleveland, North Carolina has 64 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $604/mo for a 27-year-old non-tobacco user, with the lowest Silver at $509 and the highest at $771.
The benchmark (second-lowest Silver) premium is $516/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 $5,016 and the average out-of-pocket maximum is $9,663 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Cleveland shifted by +25.3%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Cleveland, 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
23 plans$604/mo avg
$509 — $771
Gold
13 plans$649/mo avg
$537 — $791
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Cleveland is $516/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
3
Some competition
Benchmark Silver
$516 /mo
Sets your subsidy ceiling
Avg deductible
$5,016
Across all metal tiers
Cleveland ACA plans by premium and deductible
Each marker is the Cleveland 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 Cleveland, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Cleveland
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of NC | 36 | $620/mo |
| Oscar Health Plan of North Carolina, Inc | 14 | $475/mo |
| Ambetter of North Carolina | 14 | $496/mo |
All Plans in Cleveland
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Bronze Classic Standard | with Atrium Health Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $397.61 | $484.88 | $7,500 | $10,000 |
| Everyday Bronze with Atrium Health Ambetter of North Carolina | Expanded Bronze | HMO | $404.17 | $492.87 | $8,450 | $10,150 |
| Bronze Simple Diabetes | with Atrium Health Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $405.57 | $494.58 | $5,500 | $10,150 |
| Standard Expanded Bronze with Atrium Health Ambetter of North Carolina | Expanded Bronze | HMO | $405.74 | $494.79 | $7,500 | $10,000 |
| Bronze Classic 4700 | with Atrium Health Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $406.83 | $496.11 | $4,700 | $9,600 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $407.95 | $497.48 | $5,500 | $10,150 |
| Bronze Simple Chronic Care CKM | with Atrium Health Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $414.10 | $504.98 | $5,500 | $10,150 |
| Everyday Bronze with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Expanded Bronze | HMO | $417.77 | $509.46 | $8,450 | $10,150 |
| Standard Expanded Bronze with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Expanded Bronze | HMO | $419.39 | $511.43 | $7,500 | $10,000 |
| Bronze Elite + PCP Saver Plus | with Atrium Health Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $443.19 | $540.46 | $0 | $10,600 |
| Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | POS | $450.85 | $549.80 | $7,000 | $10,600 |
| Elite Bronze with Atrium Health Ambetter of North Carolina | Expanded Bronze | HMO | $459.23 | $560.02 | $0 | $10,500 |
| Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health Blue Cross and Blue Shield of NC | Expanded Bronze | EPO | $467.99 | $570.70 | $7,000 | $10,600 |
| Blue Value Bronze Standard | Limited Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | POS | $469.04 | $571.98 | $7,500 | $10,000 |
| Elite Bronze with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Expanded Bronze | HMO | $474.69 | $578.86 | $0 | $10,500 |
| Blue Value Bronze Complete | $60 PCP | $20 Tier 1 Rx | Limited Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | POS | $475.77 | $580.19 | $4,000 | $10,600 |
| Blue Local Bronze Standard | with Atrium Health Blue Cross and Blue Shield of NC | Expanded Bronze | EPO | $486.95 | $593.82 | $7,500 | $10,000 |
| Blue Value Bronze HSA Eligible | Integrated | Limited Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | POS | $487.95 | $595.04 | $8,500 | $8,500 |
| Blue Local Bronze Complete | $60 PCP | $20 Tier 1 Rx | with Atrium Health Blue Cross and Blue Shield of NC | Expanded Bronze | EPO | $493.51 | $601.82 | $4,000 | $10,600 |
| Blue Local Bronze HSA Eligible | Integrated | with Atrium Health Blue Cross and Blue Shield of NC | Expanded Bronze | EPO | $506.20 | $617.30 | $8,500 | $8,500 |
| Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | HMO | $552.35 | $673.57 | $7,000 | $10,600 |
| Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | PPO | $569.36 | $694.31 | $7,000 | $10,600 |
| Blue Care Bronze Standard | Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | HMO | $575.94 | $702.34 | $7,500 | $10,000 |
| Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | HMO | $582.59 | $710.45 | $4,000 | $10,600 |
| Blue Advantage Bronze Standard | Nationwide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | PPO | $592.08 | $722.02 | $7,500 | $10,000 |
| Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | HMO | $597.19 | $728.26 | $8,500 | $8,500 |
| Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | PPO | $600.41 | $732.18 | $4,000 | $10,600 |
| Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | PPO | $615.49 | $750.57 | $8,500 | $8,500 |
| Silver Simple PCP Saver | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $509.08 | $620.80 | $5,500 | $9,900 |
| Silver Classic Standard | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $515.90 | $629.12 | $6,000 | $8,900 |
| Silver Simple Diabetes | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $516.65 | $630.04 | $6,500 | $10,000 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $518.78 | $632.63 | $6,200 | $9,600 |
| Standard Silver with Atrium Health Ambetter of North Carolina | Silver | HMO | $519.62 | $633.66 | $6,000 | $8,900 |
| Silver Simple Chronic Care CKM | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $519.90 | $634.00 | $5,900 | $10,150 |
| Silver Simple Women's Health with Menopause Benefits | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $520.73 | $635.01 | $6,000 | $10,150 |
| Silver Classic | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $522.71 | $637.43 | $5,400 | $9,200 |
| Focused Silver with Atrium Health Ambetter of North Carolina | Silver | HMO | $524.94 | $640.14 | $6,300 | $8,400 |
| Standard Silver with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Silver | HMO | $537.10 | $654.98 | $6,000 | $8,900 |
| Focused Silver with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Silver | HMO | $542.60 | $661.68 | $6,300 | $8,400 |
| Blue Value Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Limited Statewide Doctors Blue Cross and Blue Shield of NC | Silver | POS | $591.06 | $720.78 | $2,800 | $10,600 |
| Blue Value Silver Standard | Limited Statewide Doctors Blue Cross and Blue Shield of NC | Silver | POS | $597.71 | $728.88 | $6,000 | $8,900 |
| Blue Value Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Limited Statewide Doctors Blue Cross and Blue Shield of NC | Silver | POS | $611.21 | $745.36 | $3,000 | $10,600 |
| Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health Blue Cross and Blue Shield of NC | Silver | EPO | $613.54 | $748.19 | $2,800 | $10,600 |
| Blue Local Silver Standard | with Atrium Health Blue Cross and Blue Shield of NC | Silver | EPO | $620.25 | $756.37 | $6,000 | $8,900 |
| Blue Local Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with Atrium Health Blue Cross and Blue Shield of NC | Silver | EPO | $634.11 | $773.28 | $3,000 | $10,600 |
| Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC | Silver | HMO | $723.85 | $882.71 | $2,800 | $10,600 |
| Blue Care Silver Standard | Statewide Doctors Blue Cross and Blue Shield of NC | Silver | HMO | $733.62 | $894.63 | $6,000 | $8,900 |
| Blue Advantage Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC | Silver | PPO | $746.11 | $909.86 | $2,800 | $10,600 |
| Blue Care Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Statewide Doctors Blue Cross and Blue Shield of NC | Silver | HMO | $748.30 | $912.53 | $3,000 | $10,600 |
| Blue Advantage Silver Standard | Nationwide Doctors Blue Cross and Blue Shield of NC | Silver | PPO | $754.18 | $919.70 | $6,000 | $8,900 |
| Blue Advantage Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Nationwide Doctors Blue Cross and Blue Shield of NC | Silver | PPO | $771.29 | $940.56 | $3,000 | $10,600 |
| Standard Gold with Atrium Health Ambetter of North Carolina | Gold | HMO | $537.17 | $655.06 | $2,000 | $8,200 |
| Standard Gold with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Gold | HMO | $555.24 | $677.10 | $2,000 | $8,200 |
| Gold Classic Standard | with Atrium Health Oscar Health Plan of North Carolina, Inc | Gold | HMO | $555.47 | $677.37 | $2,000 | $8,200 |
| Complete Gold with Atrium Health Ambetter of North Carolina | Gold | HMO | $561.57 | $684.81 | $1,450 | $7,500 |
| Complete Gold with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Gold | HMO | $580.46 | $707.86 | $1,450 | $7,500 |
| Blue Value Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Limited Statewide Doctors Blue Cross and Blue Shield of NC | Gold | POS | $620.73 | $756.96 | $1,800 | $10,600 |
| Blue Value Gold Standard A | Limited Statewide Doctors Blue Cross and Blue Shield of NC | Gold | POS | $627.10 | $764.73 | $2,000 | $8,200 |
| Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health Blue Cross and Blue Shield of NC | Gold | EPO | $643.78 | $785.06 | $1,800 | $10,600 |
| Blue Local Gold Standard A | with Atrium Health Blue Cross and Blue Shield of NC | Gold | EPO | $650.27 | $792.99 | $2,000 | $8,200 |
| Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors Blue Cross and Blue Shield of NC | Gold | HMO | $759.62 | $926.33 | $1,800 | $10,600 |
| Blue Care Gold Standard A | Statewide Doctors Blue Cross and Blue Shield of NC | Gold | HMO | $769.13 | $937.92 | $2,000 | $8,200 |
| Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors Blue Cross and Blue Shield of NC | Gold | PPO | $782.95 | $954.78 | $1,800 | $10,600 |
| Blue Advantage Gold Standard A | Nationwide Doctors Blue Cross and Blue Shield of NC | Gold | PPO | $790.75 | $964.29 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $513/mo | $375 | $911 | 24 | 5 |
| 2023 | $500/mo | $413 | $994 | 34 | 5 |
| 2024 | $502/mo | $416 | $1,036 | 25 | 4 |
| 2025 | $514/mo | $423 | $1,063 | 26 | 5 |
| 2026 | $604/mo | $509 | $771 | 23 | 3 |
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 Cleveland, NC?
There are 64 ACA marketplace plans available in Cleveland from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Cleveland?
Silver plans in Cleveland start at $509/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Cleveland?
The benchmark (second-lowest Silver) premium in Cleveland is $516/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 Cleveland?
Average premiums in Cleveland changed by +25.3% 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 Cleveland?
The average annual deductible across all plans in Cleveland is $5,016, and the average out-of-pocket maximum is $9,663. 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 Cleveland?
There are 3 insurance issuers offering ACA marketplace plans in Cleveland, including Blue Cross and Blue Shield of NC, Oscar Health Plan of North Carolina, Inc, Ambetter of North Carolina. 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
