What ACA marketplace plans are available in Cleveland County, North Carolina in 2026?

Cleveland County, North Carolina has 64 ACA marketplace plans from 3 insurers in 2026, with monthly premiums for a 40-year-old ranging from $485 to $964 and a benchmark (second-lowest-cost silver) plan at $629 per month, per the CMS PY2026 QHP Landscape file.

Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward

Three lowest-cost silver plans at age 40

Oscar Health Plan of North Carolina, Inc — Silver Simple PCP Saver | with Atrium Health · $620.80/mo · deductible $5,500 · MOOP $9,900
Oscar Health Plan of North Carolina, Inc — Silver Classic Standard | with Atrium Health · $629.12/mo · deductible $6,000 · MOOP $8,900
Oscar Health Plan of North Carolina, Inc — Silver Simple Diabetes | with Atrium Health · $630.04/mo · deductible $6,500 · MOOP $10,000

See the full Cleveland County plan table with all issuers, metal tiers, and cost-sharing →

Source: PY2026 QHP Landscape, Individual Market Medical (CMS Public Use File, released May 2026).