Complete Gold with Atrium Health + Vision + Adult Dental — Ambetter of North Carolina
Complete Gold with Atrium Health + Vision + Adult Dental (HIOS plan ID 77264NC0020053) is a 2026 Gold ACA marketplace plan from Ambetter of North Carolina offered in Rowan County, North Carolina, with a monthly premium of $666.87 at age 40, an individual deductible of $1,450, and an out-of-pocket maximum of $7,500.
Monthly premium by age
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $521.82 | $546.85 | $592.25 | $666.87 | $931.94 | $1,416.18 |
Premiums shown are for a single non-tobacco enrollee before any premium tax credit. Actual price on HealthCare.gov depends on your household income and any subsidy you qualify for.
Family premium scenarios
| Scenario | Monthly premium |
|---|---|
| couple_21 | $1,043.64 |
| couple_30 | $1,184.50 |
| couple_40 | $1,333.74 |
| couple_50 | $1,863.88 |
| couple_60 | $2,832.36 |
| couple_plus_1_child_40 | $1,732.92 |
| couple_plus_2_children_40 | $2,132.10 |
| individual_plus_1_child_40 | $1,066.05 |
| individual_plus_2_children_40 | $1,465.23 |
Metal level, deductible, and out-of-pocket maximum
- Metal level: Gold
- Individual deductible: $1,450
- Family deductible: $2,900
- Individual out-of-pocket maximum: $7,500
- Family out-of-pocket maximum: $15,000
Copays and drug tiers
| Service | Cost share |
|---|---|
| specialist | $35 |
| primary_care | $15 |
| generic_drugs | $3 |
| emergency_room | 20% Coinsurance after deductible |
How this plan compares to the county benchmark
At age 40, this plan is $74.62 more per month than the county's benchmark (second-lowest-cost silver) plan of $592.25 per month, which HealthCare.gov uses to size the premium tax credit.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025. For plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker).
HIOS plan ID anatomy
The HIOS plan ID 77264NC0020053 is a federally assigned identifier. Its structure: the first five digits (77264) are the issuer ID, the next two letters (NC) are the state, the next block (0020) is the product ID, and the final digits (053) identify the specific plan variant. See CMS Plan ID guidance.
Common questions
Where do these numbers come from?
Every premium, deductible, and out-of-pocket figure on this page is taken verbatim from the CMS PY2026 QHP Landscape, Individual Market Medical public-use file, released May 2026.
Can I enroll in this plan here?
No. Enrollment happens on HealthCare.gov, not on this site. This page is educational — it summarizes what's in the federal landscape file.
Will my actual price match what's shown?
Not necessarily. The premiums shown are before any premium tax credit and before tobacco rating. Your HealthCare.gov quote reflects your household size, income, and location within the county.
Is this plan the benchmark for subsidies?
The benchmark used by HealthCare.gov to calculate the premium tax credit is the second-lowest-cost Silver plan in the county at age 40 — $592.25 per month in Rowan County. This specific plan may or may not be that benchmark.
Comparable plans in Rowan County
| Issuer | Plan | Metal | Age 40 premium | Deductible |
|---|---|---|---|---|
| Blue Cross and Blue Shield of NC | Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Novant Health | Gold | $614.67 | $1,800 |
| Ambetter of North Carolina | Standard Gold with Atrium Health | Gold | $617.13 | $2,000 |
| Blue Cross and Blue Shield of NC | Blue Home Gold Standard A | with Novant Health | Gold | $620.88 | $2,000 |
| Ambetter of North Carolina | Standard Gold with Atrium Health + Vision + Adult Dental | Gold | $637.89 | $2,000 |
| Ambetter of North Carolina | Complete Gold with Atrium Health | Gold | $645.16 | $1,450 |
See the full plan list on the Rowan County plans page.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where this plan is sold.