ACA plans available
64
Plan year 2026
CMS Marketplace county · plan year 2026
Lincoln, 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
- $604
- Silver avg/mo
- 64
- ACA plans
- 3
- Issuers
- +13.6%
- YoY premium
Silver avg $604/mo
Lincoln, North Carolina has 64 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $604/mo; Bronze averages $485/mo and Gold $649/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1274 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $516/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Lincoln, North Carolina ranks #1,274 of 2,055 counties by listed Silver average ($604/mo) and #300 of 2,055 by plan count (64 plans).
- #1,274 of 2,055
- Silver average among 2,055 counties
- $604
- Listed Silver average /mo
- #300 of 2,055
- Plan count among 2,055 counties
- 64
- 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.
Lincoln, North Carolina offers 64 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $398/mo and Silver plans start at $509/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$604
Avg Silver Premium/mo
$516
Benchmark Premium/mo
+13.6%
Year-over-Year Change
$5,016
Avg Deductible
Dense plan inventory
Lincoln marketplace standing
64 plans put Lincoln in the densest third of county ACA inventories. Corpus place #1274 of 2055 (highest Silver = #1).
Mid-pack Silver avg $604/mo with 64 plans in the densest third of county inventories. YoY average shift: +13.6%. HMO is the most common network type in Lincoln, with POS and EPO and PPO rounding out the alternatives.
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
28 plans$485/mo avg
$398 - $615
Silver
23 plans$604/mo avg
$509 - $771
Gold
13 plans$649/mo avg
$537 - $791
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Lincoln 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.
Issuers in market
3
Some competition
Benchmark Silver
$516 /mo
Sets your subsidy ceiling
Avg deductible
$5,016
Across all metal tiers
C
Marketplace Access Score
58/100
Lincoln
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 C+
$516/mo
Benchmark Silver premium; rank #1274 of 2055 tracked counties (cheapest first)
Plan Choice A
64 plans
ACA marketplace plan count; rank #300 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1319 of 2055 tracked counties (most first)
Cost Predictability D
$5,016
Average deductible across tracked plans; rank #1014 of 2055 tracked counties (lowest first)
Lincoln ACA plans by premium and deductible
Each marker is the Lincoln 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.
Lincoln ACA marketplace plans: premium vs deductible
How Lincoln's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Lincoln vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$604 1274th of 2055 higher than 781 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 Lincoln
| 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 Lincoln
| 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 | $525/mo | $457 | $911 | 22 | 4 |
| 2023 | $515/mo | $413 | $994 | 27 | 4 |
| 2024 | $502/mo | $416 | $1,036 | 25 | 4 |
| 2025 | $506/mo | $423 | $1,063 | 35 | 6 |
| 2026 | $604/mo | $509 | $771 | 23 | 3 |
What this means for Lincoln
Use Lincoln's own numbers here, not a national average, before you enroll.
- $604/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 64 plans from 3 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
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 Lincoln sit on Silver premiums vs other counties?
Lincoln ranks #1274 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $604/mo. See /methodology#corpus-placement.
How many ACA plans compete in Lincoln?
Lincoln carries 64 ACA plans from 3 issuers, putting it in the densest third of county inventories nationwide.
What is the cheapest health insurance plan in Lincoln?
The lowest-premium plan in Lincoln starts at $398/mo (Bronze tier, age 27). Silver plans start at $509/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Lincoln?
The benchmark (second-lowest Silver) premium in Lincoln is $516/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Lincoln premiums rise +13.6% year-over-year?
The average age-27 premium in Lincoln changed by +13.6% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Lincoln?
The average annual deductible across all plans in Lincoln 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 Lincoln?
There are 3 insurance issuers offering ACA marketplace plans in Lincoln, 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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Lincoln, NC's $516/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Lincoln, NC, both outside NC so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($516/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 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.