ACA plans available
28
Plan year 2026
CMS Marketplace county · plan year 2026
Pitt, 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
- $766
- Silver avg/mo
- 28
- ACA plans
- 2
- Issuers
- +15.8%
- YoY premium
Silver avg $766/mo
Pitt, North Carolina has 28 ACA marketplace plans from 2 issuers (plan year 2026). Average Silver premium is $766/mo; Bronze averages $597/mo and Gold $831/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #262 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $679/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Pitt, North Carolina ranks #262 of 2,055 counties by listed Silver average ($766/mo) and #1,722 of 2,055 by plan count (28 plans).
- #262 of 2,055
- Silver average among 2,055 counties
- $766
- Listed Silver average /mo
- #1,722 of 2,055
- Plan count among 2,055 counties
- 28
- 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.
Pitt, North Carolina offers 28 ACA marketplace plans from 2 issuers for plan year 2026. Bronze plans start at $511/mo and Silver plans start at $670/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$766
Avg Silver Premium/mo
$679
Benchmark Premium/mo
+15.8%
Year-over-Year Change
$4,754
Avg Deductible
High-premium band
Pitt in the high-premium third
$766/mo Silver avg sits in the top third of tracked federal-marketplace counties. Corpus place #262 of 2055 (highest Silver = #1).
Bronze starts at $511/mo; Silver spans $670–$886/mo (age 27). Benchmark (2nd-lowest Silver) is $679/mo, the subsidy ceiling.
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
12 plans$597/mo avg
$511 - $712
Silver
10 plans$766/mo avg
$670 - $886
Gold
6 plans$831/mo avg
$703 - $1,056
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Pitt is $679/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
2
Some competition
Benchmark Silver
$679 /mo
Sets your subsidy ceiling
Avg deductible
$4,754
Across all metal tiers
F
Marketplace Access Score
29/100
Pitt
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 F
$679/mo
Benchmark Silver premium; rank #262 of 2055 tracked counties (cheapest first)
Plan Choice F
28 plans
ACA marketplace plan count; rank #1722 of 2055 tracked counties (most first)
Issuer Competition F
2 issuers
Distinct marketplace issuers; rank #1895 of 2055 tracked counties (most first)
Cost Predictability A-
$4,754
Average deductible across tracked plans; rank #1657 of 2055 tracked counties (lowest first)
Pitt ACA plans by premium and deductible
Each marker is the Pitt 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.
Pitt ACA marketplace plans: premium vs deductible
How Pitt's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Pitt vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$766 262nd of 2055 higher than 1,791 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 Pitt
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of NC | 18 | $631/mo |
| Cigna Healthcare | 10 | $845/mo |
All Plans in Pitt
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | HMO | $511.43 | $623.68 | $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 | $527.19 | $642.89 | $7,000 | $10,600 |
| Blue Care Bronze Standard | Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | HMO | $533.27 | $650.31 | $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 | $539.44 | $657.82 | $4,000 | $10,600 |
| Blue Advantage Bronze Standard | Nationwide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | PPO | $548.22 | $668.53 | $7,500 | $10,000 |
| Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | HMO | $552.96 | $674.31 | $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 | $555.93 | $677.94 | $4,000 | $10,600 |
| Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors Blue Cross and Blue Shield of NC | Expanded Bronze | PPO | $569.90 | $694.98 | $8,500 | $8,500 |
| Connect Bronze 5500 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | HMO | $702.43 | $856.59 | $5,500 | $10,250 |
| Connect Bronze CMS Standard Cigna Healthcare | Expanded Bronze | HMO | $703.05 | $857.35 | $7,500 | $10,000 |
| Connect Bronze 6500 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | HMO | $706.37 | $861.40 | $6,500 | $9,900 |
| Connect myDiabetesCare Bronze Cigna Healthcare | Expanded Bronze | HMO | $712.28 | $868.61 | $6,000 | $9,900 |
| Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors Blue Cross and Blue Shield of NC | Silver | HMO | $670.24 | $817.33 | $2,800 | $10,600 |
| Blue Care Silver Standard | Statewide Doctors Blue Cross and Blue Shield of NC | Silver | HMO | $679.28 | $828.36 | $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 | $690.84 | $842.46 | $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 | $692.87 | $844.94 | $3,000 | $10,600 |
| Blue Advantage Silver Standard | Nationwide Doctors Blue Cross and Blue Shield of NC | Silver | PPO | $698.31 | $851.57 | $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 | $714.15 | $870.88 | $3,000 | $10,600 |
| Connect Silver 5000 Indiv Med Deductible Cigna Healthcare | Silver | HMO | $874.17 | $1,066.02 | $5,000 | $8,850 |
| Connect Silver 3600 Indiv Med Deductible Cigna Healthcare | Silver | HMO | $875.83 | $1,068.05 | $3,600 | $9,150 |
| Connect Silver CMS Standard Cigna Healthcare | Silver | HMO | $876.14 | $1,068.42 | $6,000 | $8,900 |
| Connect myDiabetesCare Silver Cigna Healthcare | Silver | HMO | $886.10 | $1,080.57 | $4,300 | $9,200 |
| Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors Blue Cross and Blue Shield of NC | Gold | HMO | $703.35 | $857.72 | $1,800 | $10,600 |
| Blue Care Gold Standard A | Statewide Doctors Blue Cross and Blue Shield of NC | Gold | HMO | $712.16 | $868.45 | $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 | $724.95 | $884.06 | $1,800 | $10,600 |
| Blue Advantage Gold Standard A | Nationwide Doctors Blue Cross and Blue Shield of NC | Gold | PPO | $732.17 | $892.86 | $2,000 | $8,200 |
| Connect Gold CMS Standard Cigna Healthcare | Gold | HMO | $1,054.32 | $1,285.71 | $2,000 | $8,200 |
| Connect Gold 1500 Indiv Med Deductible Cigna Healthcare | Gold | HMO | $1,056.08 | $1,287.85 | $1,500 | $9,950 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $548/mo | $378 | $866 | 21 | 6 |
| 2023 | $526/mo | $398 | $811 | 25 | 5 |
| 2024 | $581/mo | $446 | $874 | 16 | 4 |
| 2025 | $625/mo | $515 | $909 | 14 | 4 |
| 2026 | $766/mo | $670 | $886 | 10 | 2 |
What this means for Pitt
Use Pitt's own numbers here, not a national average, before you enroll.
- $766/mo Silver average sits in the top third of tracked counties nationally -- run the metal-tier math before defaulting to Silver. Compare metal tiers
- 28 plans from 2 issuers puts Pitt in the thinnest third of tracked counties -- check the rest of North Carolina for more options. All of North Carolina
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
Why is Pitt's Silver premium in the high band?
Pitt ranks #262 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $766/mo. See /methodology#corpus-placement.
Why does Pitt carry a thin ACA plan book?
Pitt lists 28 marketplace plans from 2 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the floor premium in high-cost Pitt?
The lowest-premium plan in Pitt starts at $511/mo (Bronze tier, age 27). Silver plans start at $670/mo. Actual premiums vary by age and may be reduced by premium tax credits.
How does the Pitt benchmark premium affect subsidies?
The benchmark (second-lowest Silver) premium in Pitt is $679/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Pitt premiums rise +15.8% year-over-year?
The average age-27 premium in Pitt changed by +15.8% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
How limited is issuer competition in Pitt?
Only 2 issuers sell marketplace plans in Pitt (Blue Cross and Blue Shield of NC and Cigna Healthcare). Narrow competition often correlates with higher benchmark premiums.
Which insurance companies offer plans in Pitt?
There are 2 insurance issuers offering ACA marketplace plans in Pitt, 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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Pitt, NC's $679/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 Pitt, 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 ($679/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (2 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.