ACA marketplace plans in Guilford County, North Carolina (2026)
Guilford County, North Carolina has 83 ACA marketplace plans from 6 insurers in 2026, with monthly premiums for a 40-year-old ranging from $422 to $1,092 and a benchmark (second-lowest-cost silver) plan at $548 per month.
Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Essential + No Referrals | Bronze | $360.15 | $460.27 | $977.43 | $10,600 | $10,600 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals | Bronze | $502.03 | $641.59 | $1,362.51 | $10,600 | $10,600 |
| Ambetter of North Carolina | Everyday Bronze with Atrium Health | Expanded Bronze | $330.18 | $421.96 | $896.09 | $8,450 | $10,150 |
| Ambetter of North Carolina | Standard Expanded Bronze with Atrium Health | Expanded Bronze | $331.47 | $423.60 | $899.57 | $7,500 | $10,000 |
| Ambetter of North Carolina | Everyday Bronze with Atrium Health + Vision + Adult Dental | Expanded Bronze | $341.29 | $436.16 | $926.24 | $8,450 | $10,150 |
| Ambetter of North Carolina | Standard Expanded Bronze with Atrium Health + Vision + Adult Dental | Expanded Bronze | $342.62 | $437.85 | $929.84 | $7,500 | $10,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic Standard | Expanded Bronze | $357.66 | $457.07 | $970.65 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health | Expanded Bronze | $363.09 | $464.03 | $985.43 | $7,000 | $10,600 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Signature + No Referrals | Expanded Bronze | $364.20 | $465.44 | $988.42 | $7,500 | $10,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic 4700 | Expanded Bronze | $365.94 | $467.66 | $993.15 | $4,700 | $9,600 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Premier + No Referrals | Expanded Bronze | $372.10 | $475.54 | $1,009.86 | $3,850 | $10,600 |
| Ambetter of North Carolina | Elite Bronze with Atrium Health | Expanded Bronze | $375.17 | $479.45 | $1,018.17 | $0 | $10,500 |
| Blue Cross and Blue Shield of NC | Blue Local Bronze Standard | with Atrium Health | Expanded Bronze | $377.77 | $482.79 | $1,025.27 | $7,500 | $10,000 |
| Ambetter of North Carolina | Elite Bronze with Atrium Health + Vision + Adult Dental | Expanded Bronze | $387.79 | $495.58 | $1,052.43 | $0 | $10,500 |
| Oscar Health Plan of North Carolina, Inc | Bronze Elite + PCP Saver Plus | Expanded Bronze | $398.65 | $509.46 | $1,081.91 | $0 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Cone Health | Expanded Bronze | $404.52 | $516.98 | $1,097.87 | $7,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze Standard | with Cone Health | Expanded Bronze | $420.73 | $537.69 | $1,141.86 | $7,500 | $10,000 |
| Cigna Healthcare | Connect Bronze 5500 Indiv Med Deductible | Expanded Bronze | $450.94 | $576.30 | $1,223.85 | $5,500 | $10,250 |
| Cigna Healthcare | Connect Bronze CMS Standard | Expanded Bronze | $451.34 | $576.81 | $1,224.94 | $7,500 | $10,000 |
| Cigna Healthcare | Connect Bronze 6500 Indiv Med Deductible | Expanded Bronze | $453.48 | $579.55 | $1,230.74 | $6,500 | $9,900 |
| Cigna Healthcare | Connect myDiabetesCare Bronze | Expanded Bronze | $457.27 | $584.39 | $1,241.03 | $6,000 | $9,900 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors | Expanded Bronze | $468.49 | $598.73 | $1,271.48 | $7,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors | Expanded Bronze | $482.92 | $617.17 | $1,310.64 | $7,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Standard | Statewide Doctors | Expanded Bronze | $488.50 | $624.30 | $1,325.79 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors | Expanded Bronze | $494.14 | $631.51 | $1,341.10 | $4,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Standard | Nationwide Doctors | Expanded Bronze | $502.19 | $641.80 | $1,362.94 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors | Expanded Bronze | $506.52 | $647.33 | $1,374.70 | $8,500 | $8,500 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors | Expanded Bronze | $509.25 | $650.82 | $1,382.10 | $4,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors | Expanded Bronze | $522.05 | $667.18 | $1,416.84 | $8,500 | $8,500 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | $530.27 | $677.69 | $1,439.16 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Standard+ Dental + Vision (No Referrals) | Expanded Bronze | $550.06 | $702.98 | $1,492.88 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | $551.37 | $704.65 | $1,496.42 | $0 | $10,600 |
| Ambetter of North Carolina | Standard Gold with Atrium Health | Gold | $438.83 | $560.81 | $1,190.96 | $2,000 | $8,200 |
| Ambetter of North Carolina | Standard Gold with Atrium Health + Vision + Adult Dental | Gold | $453.59 | $579.68 | $1,231.03 | $2,000 | $8,200 |
| Ambetter of North Carolina | Complete Gold with Atrium Health | Gold | $458.76 | $586.29 | $1,245.06 | $1,450 | $7,500 |
| Ambetter of North Carolina | Complete Gold with Atrium Health + Vision + Adult Dental | Gold | $474.20 | $606.01 | $1,286.95 | $1,450 | $7,500 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Signature + No Referrals | Gold | $487.63 | $623.19 | $1,323.42 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of NC | Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health | Gold | $499.40 | $638.23 | $1,355.37 | $1,800 | $10,600 |
| Oscar Health Plan of North Carolina, Inc | Gold Classic Standard | Gold | $499.64 | $638.53 | $1,356.00 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of NC | Blue Local Gold Standard A | with Atrium Health | Gold | $504.48 | $644.73 | $1,369.16 | $2,000 | $8,200 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Premier + No Referrals | Gold | $506.51 | $647.32 | $1,374.66 | $850 | $8,500 |
| Blue Cross and Blue Shield of NC | Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Cone Health | Gold | $556.29 | $710.94 | $1,509.77 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Home Gold Standard A | with Cone Health | Gold | $561.80 | $717.98 | $1,524.73 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of NC | Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors | Gold | $644.29 | $823.40 | $1,748.60 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Gold Standard A | Statewide Doctors | Gold | $652.36 | $833.72 | $1,770.51 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors | Gold | $664.08 | $848.69 | $1,802.31 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Standard A | Nationwide Doctors | Gold | $670.69 | $857.14 | $1,820.25 | $2,000 | $8,200 |
| Cigna Healthcare | Connect Gold CMS Standard | Gold | $676.85 | $865.01 | $1,836.97 | $2,000 | $8,200 |
| Cigna Healthcare | Connect Gold 1500 Indiv Med Deductible | Gold | $677.98 | $866.46 | $1,840.04 | $1,500 | $9,950 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Gold | $811.47 | $1,037.06 | $2,202.34 | $0 | $10,600 |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | $815.58 | $1,042.31 | $2,213.48 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) | Gold | $835.01 | $1,067.15 | $2,266.22 | $750 | $9,200 |
| UnitedHealthcare | UHC Gold Advantage + ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | $854.81 | $1,092.44 | $2,319.94 | $750 | $9,200 |
| Ambetter of North Carolina | Standard Silver with Atrium Health | Silver | $424.49 | $542.49 | $1,152.05 | $6,000 | $8,900 |
| Ambetter of North Carolina | Focused Silver with Atrium Health | Silver | $428.84 | $548.04 | $1,163.84 | $6,300 | $8,400 |
| Ambetter of North Carolina | Standard Silver with Atrium Health + Vision + Adult Dental | Silver | $438.78 | $560.74 | $1,190.81 | $6,000 | $8,900 |
| Ambetter of North Carolina | Focused Silver with Atrium Health + Vision + Adult Dental | Silver | $443.27 | $566.48 | $1,203.00 | $6,300 | $8,400 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple PCP Saver | Silver | $457.91 | $585.20 | $1,242.75 | $5,500 | $9,900 |
| Oscar Health Plan of North Carolina, Inc | Silver Classic Standard | Silver | $464.05 | $593.05 | $1,259.41 | $6,000 | $8,900 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Diabetes | Silver | $464.72 | $593.91 | $1,261.24 | $6,500 | $10,000 |
| Oscar Health Plan of North Carolina, Inc | Silver Classic | Silver | $470.18 | $600.88 | $1,276.04 | $5,400 | $9,200 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Essential + No Referrals | Silver | $472.28 | $603.57 | $1,281.75 | $6,100 | $9,000 |
| Blue Cross and Blue Shield of NC | Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health | Silver | $475.99 | $608.32 | $1,291.84 | $2,800 | $10,600 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Signature + No Referrals | Silver | $476.33 | $608.74 | $1,292.74 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of NC | Blue Local Silver Standard | with Atrium Health | Silver | $481.25 | $615.04 | $1,306.11 | $6,000 | $8,900 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Premier + No Referrals | Silver | $486.32 | $621.52 | $1,319.86 | $400 | $10,200 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Cone Health | Silver | $530.07 | $677.43 | $1,438.61 | $2,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Standard | with Cone Health | Silver | $535.84 | $684.80 | $1,454.27 | $6,000 | $8,900 |
| Cigna Healthcare | Connect Silver 5000 Indiv Med Deductible | Silver | $561.20 | $717.21 | $1,523.10 | $5,000 | $8,850 |
| Cigna Healthcare | Connect Silver 3600 Indiv Med Deductible | Silver | $562.26 | $718.57 | $1,525.97 | $3,600 | $9,150 |
| Cigna Healthcare | Connect Silver CMS Standard | Silver | $562.46 | $718.82 | $1,526.52 | $6,000 | $8,900 |
| Cigna Healthcare | Connect myDiabetesCare Silver | Silver | $568.86 | $727.00 | $1,543.89 | $4,300 | $9,200 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors | Silver | $613.96 | $784.64 | $1,666.29 | $2,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Standard | Statewide Doctors | Silver | $622.24 | $795.22 | $1,688.76 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Nationwide Doctors | Silver | $632.83 | $808.76 | $1,717.50 | $2,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Statewide Doctors | Silver | $634.69 | $811.13 | $1,722.55 | $3,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Standard | Nationwide Doctors | Silver | $639.68 | $817.51 | $1,736.09 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Nationwide Doctors | Silver | $654.18 | $836.04 | $1,775.44 | $3,000 | $10,600 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, No Referrals) | Silver | $731.70 | $935.11 | $1,985.83 | $3,550 | $10,000 |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | $733.07 | $936.86 | $1,989.54 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Silver | $741.82 | $948.04 | $2,013.29 | $2,500 | $10,150 |
| UnitedHealthcare | UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | $751.49 | $960.41 | $2,039.55 | $3,550 | $10,000 |
| UnitedHealthcare | UHC Silver Advantage + ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | $761.61 | $973.34 | $2,067.01 | $2,500 | $10,150 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, 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). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.