ACA marketplace plans in Surry County, North Carolina (2026)
Surry County, North Carolina has 48 ACA marketplace plans from 3 insurers in 2026, with monthly premiums for a 40-year-old ranging from $450 to $1,075 and a benchmark (second-lowest-cost silver) plan at $596 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 | $352.48 | $450.47 | $956.63 | $10,600 | $10,600 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals | Bronze | $494.11 | $631.48 | $1,341.02 | $10,600 | $10,600 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Signature + No Referrals | Expanded Bronze | $356.45 | $455.54 | $967.39 | $7,500 | $10,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Premier + No Referrals | Expanded Bronze | $364.18 | $465.42 | $988.37 | $3,850 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors | Expanded Bronze | $414.33 | $529.51 | $1,124.49 | $7,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Value Bronze Standard | Limited Statewide Doctors | Expanded Bronze | $431.06 | $550.89 | $1,169.90 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Value Bronze Complete | $60 PCP | $20 Tier 1 Rx | Limited Statewide Doctors | Expanded Bronze | $437.24 | $558.79 | $1,186.67 | $4,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Value Bronze HSA Eligible | Integrated | Limited Statewide Doctors | Expanded Bronze | $448.43 | $573.09 | $1,217.04 | $8,500 | $8,500 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors | Expanded Bronze | $478.25 | $611.20 | $1,297.97 | $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 | $492.98 | $630.03 | $1,337.95 | $7,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Standard | Statewide Doctors | Expanded Bronze | $498.67 | $637.30 | $1,353.39 | $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 | $504.44 | $644.67 | $1,369.05 | $4,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Standard | Nationwide Doctors | Expanded Bronze | $512.65 | $655.17 | $1,391.33 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors | Expanded Bronze | $517.08 | $660.83 | $1,403.36 | $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 | $519.86 | $664.38 | $1,410.90 | $4,000 | $10,600 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | $521.91 | $667.00 | $1,416.46 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors | Expanded Bronze | $532.92 | $681.07 | $1,446.34 | $8,500 | $8,500 |
| UnitedHealthcare | UHC Bronze Standard+ Dental + Vision (No Referrals) | Expanded Bronze | $541.39 | $691.90 | $1,469.34 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | $542.68 | $693.54 | $1,472.82 | $0 | $10,600 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Signature + No Referrals | Gold | $477.26 | $609.93 | $1,295.26 | $2,000 | $8,200 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Premier + No Referrals | Gold | $495.73 | $633.54 | $1,345.40 | $850 | $8,500 |
| Blue Cross and Blue Shield of NC | Blue Value Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Limited Statewide Doctors | Gold | $570.46 | $729.05 | $1,548.23 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Value Gold Standard A | Limited Statewide Doctors | Gold | $576.32 | $736.54 | $1,564.13 | $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 | $657.72 | $840.57 | $1,785.05 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Gold Standard A | Statewide Doctors | Gold | $665.95 | $851.08 | $1,807.39 | $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 | $677.92 | $866.38 | $1,839.87 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Standard A | Nationwide Doctors | Gold | $684.67 | $875.01 | $1,858.19 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Gold | $798.68 | $1,020.71 | $2,167.61 | $0 | $10,600 |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | $802.72 | $1,025.87 | $2,178.58 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) | Gold | $821.85 | $1,050.32 | $2,230.49 | $750 | $9,200 |
| UnitedHealthcare | UHC Gold Advantage + ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | $841.33 | $1,075.22 | $2,283.36 | $750 | $9,200 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Essential + No Referrals | Silver | $462.23 | $590.72 | $1,254.47 | $6,100 | $9,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Signature + No Referrals | Silver | $466.19 | $595.79 | $1,265.23 | $6,000 | $8,900 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Premier + No Referrals | Silver | $475.97 | $608.29 | $1,291.78 | $400 | $10,200 |
| Blue Cross and Blue Shield of NC | Blue Value Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Limited Statewide Doctors | Silver | $543.18 | $694.18 | $1,474.19 | $2,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Value Silver Standard | Limited Statewide Doctors | Silver | $549.30 | $702.01 | $1,490.80 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of NC | Blue Value Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Limited Statewide Doctors | Silver | $561.72 | $717.88 | $1,524.51 | $3,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors | Silver | $626.75 | $800.99 | $1,701.00 | $2,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Standard | Statewide Doctors | Silver | $635.21 | $811.80 | $1,723.96 | $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 | $646.02 | $825.61 | $1,753.30 | $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 | $647.92 | $828.04 | $1,758.45 | $3,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Standard | Nationwide Doctors | Silver | $653.00 | $834.53 | $1,772.24 | $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 | $667.81 | $853.46 | $1,812.44 | $3,000 | $10,600 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, No Referrals) | Silver | $720.16 | $920.37 | $1,954.52 | $3,550 | $10,000 |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | $721.51 | $922.09 | $1,958.17 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Silver | $730.12 | $933.09 | $1,981.55 | $2,500 | $10,150 |
| UnitedHealthcare | UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | $739.64 | $945.26 | $2,007.39 | $3,550 | $10,000 |
| UnitedHealthcare | UHC Silver Advantage + ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | $749.60 | $957.99 | $2,034.42 | $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.