ACA plans available
81
Plan year
2026 data Public-data reference. official source
Mecklenburg, North Carolina Health Insurance
Open-data reference.
81 ACA plans from 5 issuers — Plan year 2026
Mecklenburg, North Carolina offers 81 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $518/mo and Silver plans start at $472/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$599
Avg Silver Premium/mo
$478
Benchmark Premium/mo
+30.9%
Year-over-Year Change
$4,870
Avg Deductible
What the Numbers Say About Mecklenburg
Mecklenburg, North Carolina has 81 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $599/mo for a 27-year-old non-tobacco user, with the lowest Silver at $472 and the highest at $785. Bronze plans start at $518/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $478/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 $4,870 and the average out-of-pocket maximum is $9,641 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Mecklenburg shifted by +30.9%, 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 Mecklenburg, 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
1 plan$518/mo avg
$518 — $518
Silver
30 plans$599/mo avg
$472 — $785
Gold
19 plans$667/mo avg
$504 — $882
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Mecklenburg is $478/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
$478 /mo
Sets your subsidy ceiling
Avg deductible
$4,870
Across all metal tiers
Mecklenburg ACA plans by premium and deductible
Each marker is the Mecklenburg 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 Mecklenburg, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Mecklenburg
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of NC | 30 | $601/mo |
| Oscar Health Plan of North Carolina, Inc | 14 | $440/mo |
| Ambetter of North Carolina | 14 | $467/mo |
| UnitedHealthcare | 13 | $727/mo |
| Cigna Healthcare | 10 | $540/mo |
All Plans in Mecklenburg
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals UnitedHealthcare | Bronze | HMO | $517.74 | $631.36 | $10,600 | $10,600 |
| Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Novant Health Blue Cross and Blue Shield of NC | Expanded Bronze | EPO | $366.43 | $446.85 | $7,000 | $10,600 |
| Bronze Classic Standard | with Atrium Health Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $368.36 | $449.20 | $7,500 | $10,000 |
| Bronze Simple Diabetes | with Atrium Health Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $375.73 | $458.19 | $5,500 | $10,150 |
| Bronze Classic 4700 | with Atrium Health Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $376.90 | $459.61 | $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 | $377.93 | $460.88 | $5,500 | $10,150 |
| Everyday Bronze with Atrium Health Ambetter of North Carolina | Expanded Bronze | HMO | $380.77 | $464.33 | $8,450 | $10,150 |
| Blue Home Bronze Standard | with Novant Health Blue Cross and Blue Shield of NC | Expanded Bronze | EPO | $381.22 | $464.89 | $7,500 | $10,000 |
| Standard Expanded Bronze with Atrium Health Ambetter of North Carolina | Expanded Bronze | HMO | $382.25 | $466.14 | $7,500 | $10,000 |
| Bronze Simple Chronic Care CKM | with Atrium Health Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $383.63 | $467.82 | $5,500 | $10,150 |
| Everyday Bronze with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Expanded Bronze | HMO | $393.58 | $479.96 | $8,450 | $10,150 |
| Standard Expanded Bronze with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Expanded Bronze | HMO | $395.11 | $481.82 | $7,500 | $10,000 |
| Bronze Elite + PCP Saver Plus | with Atrium Health Oscar Health Plan of North Carolina, Inc | Expanded Bronze | HMO | $410.58 | $500.69 | $0 | $10,600 |
| Elite Bronze with Atrium Health Ambetter of North Carolina | Expanded Bronze | HMO | $432.64 | $527.59 | $0 | $10,500 |
| Elite Bronze with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Expanded Bronze | HMO | $447.20 | $545.34 | $0 | $10,500 |
| Connect Bronze 5500 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | HMO | $449.35 | $547.97 | $5,500 | $10,250 |
| Connect Bronze CMS Standard Cigna Healthcare | Expanded Bronze | HMO | $449.75 | $548.45 | $7,500 | $10,000 |
| Connect Bronze 6500 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | HMO | $451.87 | $551.04 | $6,500 | $9,900 |
| 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 | $454.99 | $554.84 | $7,000 | $10,600 |
| Connect myDiabetesCare Bronze Cigna Healthcare | Expanded Bronze | HMO | $455.65 | $555.65 | $6,000 | $9,900 |
| Blue Local Bronze Standard | with Atrium Health Blue Cross and Blue Shield of NC | Expanded Bronze | EPO | $473.42 | $577.32 | $7,500 | $10,000 |
| Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | HMO | $537.01 | $654.86 | $7,000 | $10,600 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $546.86 | $666.88 | $7,500 | $10,000 |
| Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | PPO | $553.54 | $675.03 | $7,000 | $10,600 |
| Blue Care Bronze Standard | Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | HMO | $559.94 | $682.82 | $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 | $566.41 | $690.72 | $4,000 | $10,600 |
| UHC Bronze Standard+ Dental + Vision (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $567.27 | $691.77 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $568.62 | $693.41 | $0 | $10,600 |
| Blue Advantage Bronze Standard | Nationwide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | PPO | $575.63 | $701.97 | $7,500 | $10,000 |
| Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | HMO | $580.60 | $708.02 | $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 | $583.73 | $711.83 | $4,000 | $10,600 |
| Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | PPO | $598.40 | $729.73 | $8,500 | $8,500 |
| Silver Simple PCP Saver | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $471.62 | $575.12 | $5,500 | $9,900 |
| Silver Classic Standard | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $477.94 | $582.84 | $6,000 | $8,900 |
| Silver Simple Diabetes | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $478.64 | $583.68 | $6,500 | $10,000 |
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Novant Health Blue Cross and Blue Shield of NC | Silver | EPO | $480.39 | $585.82 | $2,800 | $10,600 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $480.61 | $586.08 | $6,200 | $9,600 |
| Silver Simple Chronic Care CKM | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $481.65 | $587.35 | $5,900 | $10,150 |
| Silver Simple Women's Health with Menopause Benefits | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $482.42 | $588.29 | $6,000 | $10,150 |
| Silver Classic | with Atrium Health Oscar Health Plan of North Carolina, Inc | Silver | HMO | $484.25 | $590.53 | $5,400 | $9,200 |
| Blue Home Silver Standard | with Novant Health Blue Cross and Blue Shield of NC | Silver | EPO | $485.66 | $592.25 | $6,000 | $8,900 |
| Standard Silver with Atrium Health Ambetter of North Carolina | Silver | HMO | $489.53 | $596.97 | $6,000 | $8,900 |
| Focused Silver with Atrium Health Ambetter of North Carolina | Silver | HMO | $494.54 | $603.07 | $6,300 | $8,400 |
| Standard Silver with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Silver | HMO | $506.00 | $617.05 | $6,000 | $8,900 |
| Focused Silver with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Silver | HMO | $511.18 | $623.37 | $6,300 | $8,400 |
| Connect Silver 5000 Indiv Med Deductible Cigna Healthcare | Silver | HMO | $559.21 | $681.94 | $5,000 | $8,850 |
| Connect Silver 3600 Indiv Med Deductible Cigna Healthcare | Silver | HMO | $560.27 | $683.23 | $3,600 | $9,150 |
| Connect Silver CMS Standard Cigna Healthcare | Silver | HMO | $560.47 | $683.47 | $6,000 | $8,900 |
| Connect myDiabetesCare Silver Cigna Healthcare | Silver | HMO | $566.84 | $691.24 | $4,300 | $9,200 |
| Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health Blue Cross and Blue Shield of NC | Silver | EPO | $596.49 | $727.40 | $2,800 | $10,600 |
| Blue Local Silver Standard | with Atrium Health Blue Cross and Blue Shield of NC | Silver | EPO | $603.02 | $735.36 | $6,000 | $8,900 |
| Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC | Silver | HMO | $703.75 | $858.20 | $2,800 | $10,600 |
| Blue Care Silver Standard | Statewide Doctors Blue Cross and Blue Shield of NC | Silver | HMO | $713.25 | $869.78 | $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 | $725.38 | $884.58 | $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 | $727.52 | $887.19 | $3,000 | $10,600 |
| Blue Advantage Silver Standard | Nationwide Doctors Blue Cross and Blue Shield of NC | Silver | PPO | $733.23 | $894.15 | $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 | $749.85 | $914.42 | $3,000 | $10,600 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | HMO | $754.59 | $920.20 | $3,550 | $10,000 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $756.00 | $921.92 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Silver | HMO | $765.03 | $932.92 | $2,500 | $10,150 |
| UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $775.00 | $945.09 | $3,550 | $10,000 |
| UHC Silver Advantage + ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $785.44 | $957.81 | $2,500 | $10,150 |
| Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Novant Health Blue Cross and Blue Shield of NC | Gold | EPO | $504.05 | $614.67 | $1,800 | $10,600 |
| Standard Gold with Atrium Health Ambetter of North Carolina | Gold | HMO | $506.06 | $617.13 | $2,000 | $8,200 |
| Blue Home Gold Standard A | with Novant Health Blue Cross and Blue Shield of NC | Gold | EPO | $509.14 | $620.88 | $2,000 | $8,200 |
| Gold Classic Standard | with Atrium Health Oscar Health Plan of North Carolina, Inc | Gold | HMO | $514.60 | $627.54 | $2,000 | $8,200 |
| Standard Gold with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Gold | HMO | $523.09 | $637.89 | $2,000 | $8,200 |
| Complete Gold with Atrium Health Ambetter of North Carolina | Gold | HMO | $529.05 | $645.16 | $1,450 | $7,500 |
| Complete Gold with Atrium Health + Vision + Adult Dental Ambetter of North Carolina | Gold | HMO | $546.85 | $666.87 | $1,450 | $7,500 |
| Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health Blue Cross and Blue Shield of NC | Gold | EPO | $625.90 | $763.26 | $1,800 | $10,600 |
| Blue Local Gold Standard A | with Atrium Health Blue Cross and Blue Shield of NC | Gold | EPO | $632.22 | $770.97 | $2,000 | $8,200 |
| Connect Gold CMS Standard Cigna Healthcare | Gold | HMO | $674.45 | $822.47 | $2,000 | $8,200 |
| Connect Gold 1500 Indiv Med Deductible Cigna Healthcare | Gold | HMO | $675.58 | $823.85 | $1,500 | $9,950 |
| Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors Blue Cross and Blue Shield of NC | Gold | HMO | $738.53 | $900.61 | $1,800 | $10,600 |
| Blue Care Gold Standard A | Statewide Doctors Blue Cross and Blue Shield of NC | Gold | HMO | $747.77 | $911.88 | $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 | $761.20 | $928.26 | $1,800 | $10,600 |
| Blue Advantage Gold Standard A | Nationwide Doctors Blue Cross and Blue Shield of NC | Gold | PPO | $768.78 | $937.50 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | HMO | $836.86 | $1,020.52 | $0 | $10,600 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $841.09 | $1,025.68 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $861.14 | $1,050.13 | $750 | $9,200 |
| UHC Gold Advantage + ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $881.55 | $1,075.02 | $750 | $9,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $495/mo | $389 | $1,013 | 32 | 6 |
| 2023 | $506/mo | $390 | $985 | 34 | 5 |
| 2024 | $470/mo | $386 | $1,044 | 34 | 6 |
| 2025 | $487/mo | $392 | $1,063 | 41 | 8 |
| 2026 | $599/mo | $472 | $785 | 30 | 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
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 Mecklenburg, NC?
There are 81 ACA marketplace plans available in Mecklenburg from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Mecklenburg?
The lowest-premium plan in Mecklenburg starts at $518/mo (Bronze tier, age 27). Silver plans start at $472/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Mecklenburg?
The benchmark (second-lowest Silver) premium in Mecklenburg is $478/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 Mecklenburg?
Average premiums in Mecklenburg changed by +30.9% 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 Mecklenburg?
The average annual deductible across all plans in Mecklenburg is $4,870, and the average out-of-pocket maximum is $9,641. 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 Mecklenburg?
There are 5 insurance issuers offering ACA marketplace plans in Mecklenburg, including Blue Cross and Blue Shield of NC, Oscar Health Plan of North Carolina, Inc, Ambetter of North Carolina, 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.
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
