ACA marketplace plans in Wilkes County, North Carolina (2026)
Wilkes County, North Carolina has 64 ACA marketplace plans from 4 insurers in 2026, with monthly premiums for a 40-year-old ranging from $514 to $893 and a benchmark (second-lowest-cost silver) plan at $677 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 | $436.21 | $557.48 | $1,183.87 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health | Expanded Bronze | $402.55 | $514.46 | $1,092.52 | $7,000 | $10,600 |
| Ambetter of North Carolina | Everyday Bronze | Expanded Bronze | $412.35 | $526.97 | $1,119.08 | $8,450 | $10,150 |
| Ambetter of North Carolina | Standard Expanded Bronze | Expanded Bronze | $413.95 | $529.01 | $1,123.42 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Local Bronze Standard | with Atrium Health | Expanded Bronze | $418.83 | $535.26 | $1,136.70 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Local Bronze Complete | $60 PCP | $20 Tier 1 Rx | with Atrium Health | Expanded Bronze | $424.41 | $542.40 | $1,151.85 | $4,000 | $10,600 |
| Ambetter of North Carolina | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $426.22 | $544.70 | $1,156.73 | $8,450 | $10,150 |
| Ambetter of North Carolina | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $427.87 | $546.81 | $1,161.22 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Local Bronze HSA Eligible | Integrated | with Atrium Health | Expanded Bronze | $435.31 | $556.33 | $1,181.43 | $8,500 | $8,500 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Signature + No Referrals | Expanded Bronze | $441.12 | $563.75 | $1,197.19 | $7,500 | $10,000 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic Standard | with Atrium Health | Expanded Bronze | $446.72 | $570.89 | $1,212.36 | $7,500 | $10,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Premier + No Referrals | Expanded Bronze | $450.69 | $575.98 | $1,223.15 | $3,850 | $10,600 |
| Oscar Health Plan of North Carolina, Inc | Bronze Simple Diabetes | with Atrium Health | Expanded Bronze | $455.65 | $582.31 | $1,236.61 | $5,500 | $10,150 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic 4700 | with Atrium Health | Expanded Bronze | $457.07 | $584.12 | $1,240.46 | $4,700 | $9,600 |
| Oscar Health Plan of North Carolina, Inc | Bronze Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health | Expanded Bronze | $458.33 | $585.73 | $1,243.87 | $5,500 | $10,150 |
| Oscar Health Plan of North Carolina, Inc | Bronze Simple Chronic Care CKM | with Atrium Health | Expanded Bronze | $465.23 | $594.56 | $1,262.62 | $5,500 | $10,150 |
| Ambetter of North Carolina | Elite Bronze | Expanded Bronze | $468.52 | $598.76 | $1,271.54 | $0 | $10,500 |
| Ambetter of North Carolina | Elite Bronze + Vision + Adult Dental | Expanded Bronze | $484.28 | $618.90 | $1,314.32 | $0 | $10,500 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors | Expanded Bronze | $488.01 | $623.68 | $1,324.46 | $7,000 | $10,600 |
| Oscar Health Plan of North Carolina, Inc | Bronze Elite + PCP Saver Plus | with Atrium Health | Expanded Bronze | $497.92 | $636.33 | $1,351.32 | $0 | $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 | $503.04 | $642.89 | $1,365.25 | $7,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Standard | Statewide Doctors | Expanded Bronze | $508.85 | $650.31 | $1,381.02 | $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 | $514.73 | $657.82 | $1,396.98 | $4,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Standard | Nationwide Doctors | Expanded Bronze | $523.11 | $668.53 | $1,419.72 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors | Expanded Bronze | $527.63 | $674.31 | $1,431.99 | $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 | $530.47 | $677.94 | $1,439.70 | $4,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors | Expanded Bronze | $543.80 | $694.98 | $1,475.87 | $8,500 | $8,500 |
| Ambetter of North Carolina | Standard Gold | Gold | $548.03 | $700.37 | $1,487.32 | $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 | $553.68 | $707.60 | $1,502.69 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Local Gold Standard A | with Atrium Health | Gold | $559.32 | $714.81 | $1,517.99 | $2,000 | $8,200 |
| Ambetter of North Carolina | Standard Gold + Vision + Adult Dental | Gold | $566.47 | $723.93 | $1,537.36 | $2,000 | $8,200 |
| Ambetter of North Carolina | Complete Gold | Gold | $572.92 | $732.18 | $1,554.89 | $1,450 | $7,500 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Signature + No Referrals | Gold | $590.62 | $754.81 | $1,602.94 | $2,000 | $8,200 |
| Ambetter of North Carolina | Complete Gold + Vision + Adult Dental | Gold | $592.20 | $756.82 | $1,607.20 | $1,450 | $7,500 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Premier + No Referrals | Gold | $613.49 | $784.03 | $1,664.99 | $850 | $8,500 |
| Oscar Health Plan of North Carolina, Inc | Gold Classic Standard | with Atrium Health | Gold | $624.06 | $797.53 | $1,693.67 | $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 | $671.14 | $857.72 | $1,821.47 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Gold Standard A | Statewide Doctors | Gold | $679.54 | $868.45 | $1,844.27 | $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 | $691.75 | $884.06 | $1,877.41 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Standard A | Nationwide Doctors | Gold | $698.64 | $892.86 | $1,896.11 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of NC | Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health | Silver | $527.72 | $674.43 | $1,432.23 | $2,800 | $10,600 |
| Ambetter of North Carolina | Clear Silver with $0 Insulin Options | Silver | $529.96 | $677.28 | $1,438.28 | $7,000 | $7,000 |
| Ambetter of North Carolina | Standard Silver | Silver | $530.13 | $677.49 | $1,438.73 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of NC | Blue Local Silver Standard | with Atrium Health | Silver | $533.56 | $681.89 | $1,448.08 | $6,000 | $8,900 |
| Ambetter of North Carolina | Enhanced Asthma/COPD Care Silver with $0 Drug Options | Silver | $543.97 | $695.18 | $1,476.31 | $5,900 | $8,150 |
| Blue Cross and Blue Shield of NC | Blue Local Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with Atrium Health | Silver | $545.41 | $697.03 | $1,480.24 | $3,000 | $10,600 |
| Ambetter of North Carolina | Standard Silver + Vision + Adult Dental | Silver | $547.96 | $700.28 | $1,487.14 | $6,000 | $8,900 |
| Ambetter of North Carolina | Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | $562.27 | $718.57 | $1,525.99 | $5,900 | $8,150 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple PCP Saver | with Atrium Health | Silver | $571.94 | $730.92 | $1,552.21 | $5,500 | $9,900 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Essential + No Referrals | Silver | $572.02 | $731.04 | $1,552.46 | $6,100 | $9,000 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Signature + No Referrals | Silver | $576.93 | $737.31 | $1,565.78 | $6,000 | $8,900 |
| Oscar Health Plan of North Carolina, Inc | Silver Classic Standard | with Atrium Health | Silver | $579.61 | $740.72 | $1,573.02 | $6,000 | $8,900 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Diabetes | with Atrium Health | Silver | $580.45 | $741.80 | $1,575.30 | $6,500 | $10,000 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health | Silver | $582.84 | $744.85 | $1,581.79 | $6,200 | $9,600 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Chronic Care CKM | with Atrium Health | Silver | $584.10 | $746.47 | $1,585.22 | $5,900 | $10,150 |
| Oscar Health Plan of North Carolina, Inc | Silver Simple Women's Health with Menopause Benefits | with Atrium Health | Silver | $585.03 | $747.66 | $1,587.74 | $6,000 | $10,150 |
| Oscar Health Plan of North Carolina, Inc | Silver Classic | with Atrium Health | Silver | $587.26 | $750.50 | $1,593.79 | $5,400 | $9,200 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Premier + No Referrals | Silver | $589.03 | $752.78 | $1,598.63 | $400 | $10,200 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors | Silver | $639.54 | $817.33 | $1,735.71 | $2,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Standard | Statewide Doctors | Silver | $648.17 | $828.36 | $1,759.13 | $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 | $659.20 | $842.46 | $1,789.07 | $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 | $661.14 | $844.94 | $1,794.33 | $3,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Standard | Nationwide Doctors | Silver | $666.33 | $851.57 | $1,808.42 | $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 | $681.44 | $870.88 | $1,849.43 | $3,000 | $10,600 |
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.