Health insurance prices in Alamance County, NC (2026)
45 marketplace plans from 5 insurers. Cheapest plan $460/mo; typical Silver $736/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 11.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $460–$813 (typical $557) · Silver $603–$999 (typical $736) · Gold $633–$1,199 (typical $851)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of NCIndependent Blue Cross Blue Shield company | 9 | $460 | $482 | $610 | $636 | Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance | |
| Oscar Health | 8 | $488 | $500 | $634 | $682 | Bronze Classic Standard | |
| AmeriHealth Caritas Next | 8 | $551 | $557 | $729 | $760 | AmeriHealth Caritas Next Bronze Essential + No Referrals | |
| UnitedHealthcareUnitedHealth Group | 13 | $573 | $617 | $847 | $942 | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals | |
| Cigna HealthcareCigna Group | 7 | $798 | $800 | $996 | $1,199 | Connect Bronze RD 6000 Indiv Med Deductible |
All 45 plans in Alamance County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| 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 | EPO | $460 | $7,000 | $10,600 | $16,119 | |
| Blue Cross and Blue Shield of NC | Blue Home Bronze Standard | with UNC Health Alliance | Expanded Bronze | EPO | $478 | $7,500 | $10,000 | $15,742 | |
| Blue Cross and Blue Shield of NC | Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance | Expanded Bronze | EPO | $485 | $4,000 | $10,600 | $16,419 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | HMO | $488 | $7,500 | $10,000 | $15,859 | |
| Blue Cross and Blue Shield of NC | Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance | Expanded Bronze | EPO | $497 | $8,500 | $8,500 | $14,469 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | HMO | $500 | $4,700 | $9,600 | $15,595 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | HMO | $544 | $0 | $10,600 | $17,131 | |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Essential + No Referrals | Bronze | HMO | $551 | $10,600 | $10,600 | $17,211 | |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Signature + No Referrals | Expanded Bronze | HMO | $557 | $7,500 | $10,000 | $16,685 | |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Premier + No Referrals | Expanded Bronze | HMO | $569 | $3,850 | $10,600 | $17,430 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals | Bronze | HMO | $573 | $10,600 | $10,600 | $17,478 | |
| Blue Cross and Blue Shield of NC | Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance | Silver | EPO | $603 | $2,800 | $10,600 | $17,835 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | HMO | $605 | $7,500 | $10,000 | $17,265 | |
| Blue Cross and Blue Shield of NC | Blue Home Silver Standard | with UNC Health Alliance | Silver | EPO | $610 | $6,000 | $8,900 | $16,215 | |
| Blue Cross and Blue Shield of NC | Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance | Silver | EPO | $623 | $3,000 | $10,600 | $18,078 | |
| Oscar Health | Silver Simple PCP Saver | Silver | HMO | $625 | $5,500 | $9,900 | $17,401 | |
| UnitedHealthcare | UHC Bronze Standard+ Dental + Vision (No Referrals) | Expanded Bronze | HMO | $628 | $7,500 | $10,000 | $17,536 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | HMO | $630 | $0 | $10,600 | $18,154 | |
| Blue Cross and Blue Shield of NC | Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance | Gold | EPO | $633 | $1,800 | $10,600 | $18,191 | |
| Oscar Health | Silver Classic Standard | Silver | HMO | $634 | $6,000 | $8,900 | $16,502 | |
| Oscar Health | Silver Simple Diabetes | Silver | HMO | $634 | $6,500 | $10,000 | $17,613 | |
| Blue Cross and Blue Shield of NC | Blue Home Gold Standard A | with UNC Health Alliance | Gold | EPO | $639 | $2,000 | $8,200 | $15,869 | |
| Oscar Health | Silver Classic | Silver | HMO | $642 | $5,400 | $9,200 | $16,902 | |
| Oscar Health | Gold Classic Standard | Gold | HMO | $682 | $2,000 | $8,200 | $16,385 | |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Essential + No Referrals | Silver | HMO | $722 | $6,100 | $9,000 | $17,669 | |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Signature + No Referrals | Silver | HMO | $729 | $6,000 | $8,900 | $17,643 | |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Premier + No Referrals | Silver | HMO | $744 | $400 | $10,200 | $19,127 | |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Signature + No Referrals | Gold | HMO | $746 | $2,000 | $8,200 | $17,151 | |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Premier + No Referrals | Gold | HMO | $775 | $850 | $8,500 | $17,797 | |
| Cigna Healthcare | Connect Bronze RD 6000 Indiv Med Deductible | Expanded Bronze | HMO | $798 | $6,000 | $10,300 | $19,877 | |
| Cigna Healthcare | Connect Bronze RD CMS Standard | Expanded Bronze | HMO | $800 | $7,500 | $10,000 | $19,595 | |
| Cigna Healthcare | Connect Bronze RD 5000 Indiv Med Deductible | Expanded Bronze | HMO | $813 | $5,000 | $9,700 | $19,461 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, No Referrals) | Silver | HMO | $835 | $3,550 | $10,000 | $20,025 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | HMO | $837 | $6,000 | $8,900 | $18,943 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Silver | HMO | $847 | $2,500 | $10,150 | $20,313 | |
| UnitedHealthcare | UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | HMO | $858 | $3,550 | $10,000 | $20,296 | |
| UnitedHealthcare | UHC Silver Advantage + ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | Silver | HMO | $870 | $2,500 | $10,150 | $20,584 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Gold | HMO | $926 | $0 | $10,600 | $21,718 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | HMO | $931 | $2,000 | $8,200 | $19,374 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) | Gold | HMO | $953 | $750 | $9,200 | $20,640 | |
| UnitedHealthcare | UHC Gold Advantage + ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | HMO | $976 | $750 | $9,200 | $20,911 | |
| Cigna Healthcare | Connect Silver RD 5000 Indiv Med Deductible | Silver | HMO | $991 | $5,000 | $9,250 | $21,147 | |
| Cigna Healthcare | Connect Silver RD CMS Standard | Silver | HMO | $996 | $6,000 | $8,900 | $20,858 | |
| Cigna Healthcare | Connect Silver RD 3500 Indiv Med Deductible | Silver | HMO | $999 | $3,500 | $9,000 | $20,991 | |
| Cigna Healthcare | Connect Gold RD CMS Standard | Gold | HMO | $1,199 | $2,000 | $8,200 | $22,589 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $460 | $557 | $813 | 17 | $7,500 | $10,000 | $17,211 |
| Silver | $603 | $736 | $999 | 18 | $5,200 | $9,575 | $18,511 |
| Gold | $633 | $851 | $1,199 | 10 | $1,900 | $8,350 | $18,783 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.