ACA marketplace plans in Person County, North Carolina (2026)
Person County, North Carolina has 39 ACA marketplace plans from 4 insurers in 2026, with monthly premiums for a 40-year-old ranging from $460 to $1,199 and a benchmark (second-lowest-cost silver) plan at $610 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 | $431.07 | $550.91 | $1,169.92 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance | Expanded Bronze | $359.88 | $459.93 | $976.71 | $7,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze Standard | with UNC Health Alliance | Expanded Bronze | $374.38 | $478.46 | $1,016.07 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance | Expanded Bronze | $379.41 | $484.89 | $1,029.72 | $4,000 | $10,600 |
| Ambetter of North Carolina | Everyday Bronze | Expanded Bronze | $382.81 | $489.22 | $1,038.93 | $8,450 | $10,150 |
| Ambetter of North Carolina | Standard Expanded Bronze | Expanded Bronze | $384.30 | $491.12 | $1,042.96 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance | Expanded Bronze | $389.21 | $497.41 | $1,056.32 | $8,500 | $8,500 |
| Ambetter of North Carolina | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $395.69 | $505.68 | $1,073.88 | $8,450 | $10,150 |
| Ambetter of North Carolina | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $397.23 | $507.64 | $1,078.05 | $7,500 | $10,000 |
| Ambetter of North Carolina | Elite Bronze | Expanded Bronze | $434.96 | $555.87 | $1,180.46 | $0 | $10,500 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Signature + No Referrals | Expanded Bronze | $435.92 | $557.10 | $1,183.07 | $7,500 | $10,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Premier + No Referrals | Expanded Bronze | $445.37 | $569.19 | $1,208.74 | $3,850 | $10,600 |
| Ambetter of North Carolina | Elite Bronze + Vision + Adult Dental | Expanded Bronze | $449.60 | $574.57 | $1,220.18 | $0 | $10,500 |
| Cigna Healthcare | Connect Bronze RD 6000 Indiv Med Deductible | Expanded Bronze | $624.47 | $798.07 | $1,694.81 | $6,000 | $10,300 |
| Cigna Healthcare | Connect Bronze RD CMS Standard | Expanded Bronze | $625.67 | $799.61 | $1,698.07 | $7,500 | $10,000 |
| Cigna Healthcare | Connect Bronze RD 5000 Indiv Med Deductible | Expanded Bronze | $636.47 | $813.41 | $1,727.38 | $5,000 | $9,700 |
| Blue Cross and Blue Shield of NC | Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance | Gold | $495.01 | $632.62 | $1,343.46 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Home Gold Standard A | with UNC Health Alliance | Gold | $500.04 | $639.05 | $1,357.11 | $2,000 | $8,200 |
| Ambetter of North Carolina | Standard Gold | Gold | $508.77 | $650.20 | $1,380.79 | $2,000 | $8,200 |
| Ambetter of North Carolina | Standard Gold + Vision + Adult Dental | Gold | $525.89 | $672.08 | $1,427.25 | $2,000 | $8,200 |
| Ambetter of North Carolina | Complete Gold | Gold | $531.89 | $679.74 | $1,443.52 | $1,450 | $7,500 |
| Ambetter of North Carolina | Complete Gold + Vision + Adult Dental | Gold | $549.78 | $702.61 | $1,492.08 | $1,450 | $7,500 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Signature + No Referrals | Gold | $583.66 | $745.92 | $1,584.05 | $2,000 | $8,200 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Premier + No Referrals | Gold | $606.26 | $774.79 | $1,645.37 | $850 | $8,500 |
| Cigna Healthcare | Connect Gold RD CMS Standard | Gold | $938.27 | $1,199.11 | $2,546.46 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance | Silver | $471.75 | $602.90 | $1,280.33 | $2,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Standard | with UNC Health Alliance | Silver | $476.96 | $609.55 | $1,294.47 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance | Silver | $487.62 | $623.18 | $1,323.40 | $3,000 | $10,600 |
| Ambetter of North Carolina | Clear Silver with $0 Insulin Options | Silver | $492.00 | $628.76 | $1,335.26 | $7,000 | $7,000 |
| Ambetter of North Carolina | Standard Silver | Silver | $492.16 | $628.96 | $1,335.68 | $6,000 | $8,900 |
| Ambetter of North Carolina | Enhanced Asthma/COPD Care Silver with $0 Drug Options | Silver | $505.01 | $645.39 | $1,370.57 | $5,900 | $8,150 |
| Ambetter of North Carolina | Standard Silver + Vision + Adult Dental | Silver | $508.71 | $650.12 | $1,380.62 | $6,000 | $8,900 |
| Ambetter of North Carolina | Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | $522.00 | $667.11 | $1,416.68 | $5,900 | $8,150 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Essential + No Referrals | Silver | $565.28 | $722.43 | $1,534.16 | $6,100 | $9,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Signature + No Referrals | Silver | $570.13 | $728.62 | $1,547.32 | $6,000 | $8,900 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Premier + No Referrals | Silver | $582.09 | $743.91 | $1,579.79 | $400 | $10,200 |
| Cigna Healthcare | Connect Silver RD 5000 Indiv Med Deductible | Silver | $775.73 | $991.38 | $2,105.33 | $5,000 | $9,250 |
| Cigna Healthcare | Connect Silver RD CMS Standard | Silver | $779.70 | $996.46 | $2,116.11 | $6,000 | $8,900 |
| Cigna Healthcare | Connect Silver RD 3500 Indiv Med Deductible | Silver | $781.92 | $999.29 | $2,122.13 | $3,500 | $9,000 |
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.