ACA Direct Answers

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

Madison County, North Carolina has 59 ACA marketplace plans from 5 insurers in 2026, with monthly premiums for a 40-year-old ranging from $546 to $1,345 and a benchmark (second-lowest-cost silver) plan at $702 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

  • Ambetter of North Carolina — Clear Silver with $0 Insulin Options · $702.19/mo · deductible $7,000 · MOOP $7,000
  • Ambetter of North Carolina — Standard Silver · $702.41/mo · deductible $6,000 · MOOP $8,900
  • Ambetter of North Carolina — Enhanced Asthma/COPD Care Silver with $0 Drug Options · $720.76/mo · deductible $5,900 · MOOP $8,150

See the full Madison 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).