2027 ACA marketplace plans in Henderson County, North Carolina
Updated with CMS 2027 plan data.
Henderson County, North Carolina has 54 ACA marketplace plans from 4 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $599 to $1,218 and a benchmark (second-lowest-cost silver) plan at $823 per month, before any premium tax credit, per CMS 2027 plan data. For help choosing or enrolling in a plan, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
Plan data retrieved November 3, 2026 from the CMS 2027 plan public use files. Premiums shown are full price for one 40-year-old non-smoker, before any premium tax credit.
2027 plan table
| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Essential + Three Free PCP Visits + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Bronze | $598.72 | $12,000 | $12,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Signature + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Expanded Bronze | $623.58 | $7,500 | $12,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Enhanced + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Expanded Bronze | $624.47 | $4,500 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic Standard | Expanded Bronze | $696.90 | $7,500 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic 4700 | Expanded Bronze | $697.14 | $4,700 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Simple Diabetes | Expanded Bronze | $710.71 | $5,500 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | HSA Eligible | Integrated | Statewide Doctors | Expanded Bronze | $714.40 | $7,000 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Standard | $50 PCP | $25 Tier 1 Rx | HSA Eligible | Integrated | Statewide Doctors | Expanded Bronze | $733.83 | $7,500 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Elite + PCP Saver Plus | Expanded Bronze | $738.03 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | HSA Eligible | Statewide Doctors | Expanded Bronze | $743.82 | $4,000 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | HSA Eligible | Integrated | Nationwide Doctors | Expanded Bronze | $747.28 | $7,000 | $12,000 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Bronze | $753.47 | $11,750 | $11,750 |
| Oscar Health Plan of North Carolina, Inc | Bronze Elite + PCP Saver Plus with Adult Dental & Vision | Expanded Bronze | $762.29 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Standard | $50 PCP | $25 Tier 1 Rx | HSA Eligible | Integrated | Nationwide Doctors | Expanded Bronze | $765.85 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze HSA Eligible Plus | Integrated | Statewide Doctors | Expanded Bronze | $769.07 | $8,700 | $8,700 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | HSA Eligible | Nationwide Doctors | Expanded Bronze | $777.93 | $4,000 | $12,000 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin, No Referrals) | Expanded Bronze | $778.42 | $7,500 | $12,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Enhanced + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Gold | $781.18 | $1,000 | $10,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Essential + Two Free PCP Visits + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Silver | $794.14 | $5,000 | $12,000 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision, No Referrals) | Expanded Bronze | $800.35 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze HSA Eligible Plus | Integrated | Nationwide Doctors | Expanded Bronze | $803.81 | $8,700 | $8,700 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Signature + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Gold | $817.76 | $2,500 | $8,600 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Signature + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Silver | $822.69 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Expanded Bronze | $822.91 | $0 | $12,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Copay Focus + $0 Deductible + Free PCP + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals | Gold | $839.53 | $0 | $9,000 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision, No Referrals) | Expanded Bronze | $844.84 | $0 | $12,000 |
| Oscar Health Plan of North Carolina, Inc | Silver Classic Standard | Silver | $870.44 | $6,400 | $10,300 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple PCP Saver | Silver | $874.32 | $5,750 | $10,000 |
| Oscar Health Plan of North Carolina, Inc | Silver Core Plan | Silver | $876.64 | $9,000 | $10,300 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Diabetes | Silver | $891.67 | $6,500 | $10,600 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Diabetes with Adult Dental & Vision | Silver | $915.93 | $6,500 | $10,600 |
| Oscar Health Plan of North Carolina, Inc | Gold Classic Standard | Gold | $957.66 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Preferred | 3 Free PCP | $15 Tier 1 Rx | Integrated | Statewide Doctors | Silver | $966.76 | $2,700 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Standard | $40 PCP | $20 Tier 1 Rx | Integrated | Statewide Doctors | Silver | $974.40 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Statewide Doctors | Silver | $987.75 | $3,500 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors | Gold | $994.94 | $1,800 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Care Gold Standard A | $30 PCP | $15 Tier 1 Rx | Statewide Doctors | Gold | $1,004.48 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Preferred | 3 Free PCP | $15 Tier 1 Rx | Integrated | Nationwide Doctors | Silver | $1,011.15 | $2,700 | $12,000 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin, No Referrals) | Silver | $1,014.23 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Standard | $40 PCP | $20 Tier 1 Rx | Integrated | Nationwide Doctors | Silver | $1,016.96 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of NC | Blue Care Gold All Copay A | $30 PCP | $10 Tier 1 Rx | Statewide Doctors | Gold | $1,017.95 | $0 | $12,000 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Silver | $1,018.51 | $3,550 | $11,200 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Nationwide Doctors | Silver | $1,032.87 | $3,500 | $12,000 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, No Referrals) | Silver | $1,033.85 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors | Gold | $1,040.29 | $1,800 | $12,000 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Silver | $1,040.44 | $3,550 | $11,200 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Standard A | $30 PCP | $15 Tier 1 Rx | Nationwide Doctors | Gold | $1,048.54 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals) | Silver | $1,055.78 | $0 | $12,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold All Copay A | $30 PCP | $10 Tier 1 Rx | Nationwide Doctors | Gold | $1,064.68 | $0 | $12,000 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin, No Referrals) | Gold | $1,171.60 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $1,195.73 | $0 | $10,000 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $1,195.97 | $850 | $10,400 |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Gold | $1,217.67 | $0 | $10,000 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Gold | $1,217.90 | $850 | $10,400 |
Questions about 2027 plans in Henderson County
- How many ACA plans are available in Henderson County for 2027?
- Henderson County, North Carolina has 54 ACA marketplace plans from 4 insurers for 2027, per CMS 2027 plan data.
- What is the 2027 benchmark (second-lowest-cost silver) premium in Henderson County?
- The 2027 benchmark (second-lowest-cost silver) premium in Henderson County is $823 per month for a 40-year-old before tax credits.
- What is the cheapest 2027 plan in Henderson County?
- The cheapest 2027 plan in Henderson County is AmeriHealth Caritas Next Bronze Essential + Three Free PCP Visits + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals from AmeriHealth Caritas Next, a Bronze plan at $599 per month for a 40-year-old before tax credits.
- When is Open Enrollment for 2027 coverage?
- In states that use HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
- How do I get help choosing or enrolling?
- For help choosing or enrolling in a plan, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116. You can also enroll yourself at HealthCare.gov.
Insurers in this county
- Blue Cross and Blue Shield of NC — all 2027 Blue Cross and Blue Shield of NC plans in North Carolina
- UnitedHealthcare — all 2027 UnitedHealthcare plans in North Carolina
- Oscar Health Plan of North Carolina, Inc — all 2027 Oscar Health Plan of North Carolina, Inc plans in North Carolina
- AmeriHealth Caritas Next — all 2027 AmeriHealth Caritas Next plans in North Carolina
Sources
- CMS PY2027 Plan Attributes and Rate public use files — plan, premium, deductible and out-of-pocket figures on this page are per CMS 2027 plan data from the Plan Year 2027 Qualified Health Plan public use files published by the Centers for Medicare & Medicaid Services.