ACA plans available
43
Plan year
2026 data Public-data reference. official source
Montgomery, North Carolina Health Insurance
Open-data reference.
43 ACA plans from 3 issuers — Plan year 2026
Montgomery, North Carolina offers 43 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $621/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$682
Avg Silver Premium/mo
$622
Benchmark Premium/mo
+30.4%
Year-over-Year Change
$4,944
Avg Deductible
What the Numbers Say About Montgomery
Montgomery, North Carolina has 43 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $682/mo for a 27-year-old non-tobacco user, with the lowest Silver at $621 and the highest at $743.
The benchmark (second-lowest Silver) premium is $622/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 $4,944 and the average out-of-pocket maximum is $9,426 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Montgomery shifted by +30.4%, 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 Montgomery, 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
15 plans$682/mo avg
$621 — $743
Gold
10 plans$729/mo avg
$643 — $885
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Montgomery is $622/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
$622 /mo
Sets your subsidy ceiling
Avg deductible
$4,944
Across all metal tiers
Montgomery ACA plans by premium and deductible
Each marker is the Montgomery 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 Montgomery, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Montgomery
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of NC | 18 | $625/mo |
| Ambetter of North Carolina | 15 | $596/mo |
| Cigna Healthcare | 10 | $708/mo |
All Plans in Montgomery
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Everyday Bronze Ambetter of North Carolina | Expanded Bronze | HMO | $483.53 | $589.65 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter of North Carolina | Expanded Bronze | HMO | $485.40 | $591.93 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter of North Carolina | Expanded Bronze | HMO | $499.80 | $609.49 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of North Carolina | Expanded Bronze | HMO | $501.74 | $611.85 | $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 | $506.32 | $617.44 | $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 | $521.91 | $636.46 | $7,000 | $10,600 |
| Blue Care Bronze Standard | Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | HMO | $527.94 | $643.81 | $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 | $534.04 | $651.24 | $4,000 | $10,600 |
| Blue Advantage Bronze Standard | Nationwide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | PPO | $542.74 | $661.85 | $7,500 | $10,000 |
| Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | HMO | $547.42 | $667.56 | $8,500 | $8,500 |
| Elite Bronze Ambetter of North Carolina | Expanded Bronze | HMO | $549.40 | $669.98 | $0 | $10,500 |
| Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | PPO | $550.38 | $671.17 | $4,000 | $10,600 |
| Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | PPO | $564.20 | $688.02 | $8,500 | $8,500 |
| Elite Bronze + Vision + Adult Dental Ambetter of North Carolina | Expanded Bronze | HMO | $567.89 | $692.52 | $0 | $10,500 |
| Connect Bronze 5500 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | HMO | $588.80 | $718.02 | $5,500 | $10,250 |
| Connect Bronze CMS Standard Cigna Healthcare | Expanded Bronze | HMO | $589.32 | $718.66 | $7,500 | $10,000 |
| Connect Bronze 6500 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | HMO | $592.11 | $722.06 | $6,500 | $9,900 |
| Connect myDiabetesCare Bronze Cigna Healthcare | Expanded Bronze | HMO | $597.07 | $728.10 | $6,000 | $9,900 |
| Clear Silver with $0 Insulin Options Ambetter of North Carolina | Silver | HMO | $621.45 | $757.83 | $7,000 | $7,000 |
| Standard Silver Ambetter of North Carolina | Silver | HMO | $621.64 | $758.07 | $6,000 | $8,900 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options Ambetter of North Carolina | Silver | HMO | $637.88 | $777.87 | $5,900 | $8,150 |
| Standard Silver + Vision + Adult Dental Ambetter of North Carolina | Silver | HMO | $642.56 | $783.58 | $6,000 | $8,900 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of North Carolina | Silver | HMO | $659.34 | $804.05 | $5,900 | $8,150 |
| Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC | Silver | HMO | $663.53 | $809.15 | $2,800 | $10,600 |
| Blue Care Silver Standard | Statewide Doctors Blue Cross and Blue Shield of NC | Silver | HMO | $672.49 | $820.08 | $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 | $683.94 | $834.04 | $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 | $685.95 | $836.49 | $3,000 | $10,600 |
| Blue Advantage Silver Standard | Nationwide Doctors Blue Cross and Blue Shield of NC | Silver | PPO | $691.33 | $843.06 | $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 | $707.01 | $862.18 | $3,000 | $10,600 |
| Connect Silver 5000 Indiv Med Deductible Cigna Healthcare | Silver | HMO | $732.76 | $893.58 | $5,000 | $8,850 |
| Connect Silver 3600 Indiv Med Deductible Cigna Healthcare | Silver | HMO | $734.16 | $895.28 | $3,600 | $9,150 |
| Connect Silver CMS Standard Cigna Healthcare | Silver | HMO | $734.41 | $895.58 | $6,000 | $8,900 |
| Connect myDiabetesCare Silver Cigna Healthcare | Silver | HMO | $742.76 | $905.77 | $4,300 | $9,200 |
| Standard Gold Ambetter of North Carolina | Gold | HMO | $642.64 | $783.67 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter of North Carolina | Gold | HMO | $664.26 | $810.04 | $2,000 | $8,200 |
| Complete Gold Ambetter of North Carolina | Gold | HMO | $671.83 | $819.27 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter of North Carolina | Gold | HMO | $694.43 | $846.84 | $1,450 | $7,500 |
| Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors Blue Cross and Blue Shield of NC | Gold | HMO | $696.32 | $849.14 | $1,800 | $10,600 |
| Blue Care Gold Standard A | Statewide Doctors Blue Cross and Blue Shield of NC | Gold | HMO | $705.03 | $859.76 | $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 | $717.70 | $875.21 | $1,800 | $10,600 |
| Blue Advantage Gold Standard A | Nationwide Doctors Blue Cross and Blue Shield of NC | Gold | PPO | $724.85 | $883.93 | $2,000 | $8,200 |
| Connect Gold CMS Standard Cigna Healthcare | Gold | HMO | $883.77 | $1,077.72 | $2,000 | $8,200 |
| Connect Gold 1500 Indiv Med Deductible Cigna Healthcare | Gold | HMO | $885.25 | $1,079.53 | $1,500 | $9,950 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $494/mo | $418 | $774 | 20 | 4 |
| 2023 | $535/mo | $452 | $810 | 24 | 4 |
| 2024 | $528/mo | $439 | $868 | 20 | 4 |
| 2025 | $568/mo | $441 | $964 | 14 | 4 |
| 2026 | $682/mo | $621 | $743 | 15 | 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 Montgomery, NC?
There are 43 ACA marketplace plans available in Montgomery from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Montgomery?
Silver plans in Montgomery start at $621/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Montgomery?
The benchmark (second-lowest Silver) premium in Montgomery is $622/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 Montgomery?
Average premiums in Montgomery changed by +30.4% 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 Montgomery?
The average annual deductible across all plans in Montgomery is $4,944, and the average out-of-pocket maximum is $9,426. 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 Montgomery?
There are 3 insurance issuers offering ACA marketplace plans in Montgomery, including Blue Cross and Blue Shield of NC, Ambetter of North Carolina, 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
