Health insurance prices in Cleveland County, NC (2026)
64 marketplace plans from 3 insurers. Cheapest plan $485/mo; typical Silver $721/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 5.
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 $485–$751 (typical $575) · Silver $621–$941 (typical $721) · Gold $655–$964 (typical $765)
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 |
|---|---|---|---|---|---|---|---|
| Oscar Health | 14 | $485 | $497 | $633 | $677 | Bronze Classic Standard | with Atrium Health | |
| Ambetter (Centene) | 14 | $493 | $510 | $648 | $681 | Everyday Bronze with Atrium Health | |
| Blue Cross and Blue Shield of NCIndependent Blue Cross Blue Shield company | 36 | $550 | $645 | $828 | $860 | Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors |
All 64 plans in Cleveland County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Oscar Health | Bronze Classic Standard | with Atrium Health | Expanded Bronze | HMO | $485 | $7,500 | $10,000 | $15,819 | |
| Ambetter (Centene) | Everyday Bronze with Atrium Health | Expanded Bronze | HMO | $493 | $8,450 | $10,150 | $16,064 | |
| Oscar Health | Bronze Simple Diabetes | with Atrium Health | Expanded Bronze | HMO | $495 | $5,500 | $10,150 | $16,085 | |
| Ambetter (Centene) | Standard Expanded Bronze with Atrium Health | Expanded Bronze | HMO | $495 | $7,500 | $10,000 | $15,937 | |
| Oscar Health | Bronze Classic 4700 | with Atrium Health | Expanded Bronze | HMO | $496 | $4,700 | $9,600 | $15,553 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health | Expanded Bronze | HMO | $497 | $5,500 | $10,150 | $16,120 | |
| Oscar Health | Bronze Simple Chronic Care CKM | with Atrium Health | Expanded Bronze | HMO | $505 | $5,500 | $10,150 | $16,210 | |
| Ambetter (Centene) | Everyday Bronze with Atrium Health + Vision + Adult Dental | Expanded Bronze | HMO | $509 | $8,450 | $10,150 | $16,264 | |
| Ambetter (Centene) | Standard Expanded Bronze with Atrium Health + Vision + Adult Dental | Expanded Bronze | HMO | $511 | $7,500 | $10,000 | $16,137 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | with Atrium Health | Expanded Bronze | HMO | $540 | $0 | $10,600 | $17,086 | |
| Blue Cross and Blue Shield of NC | Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors | Expanded Bronze | POS | $550 | $7,000 | $10,600 | $17,198 | |
| Ambetter (Centene) | Elite Bronze with Atrium Health | Expanded Bronze | HMO | $560 | $0 | $10,500 | $17,220 | |
| Blue Cross and Blue Shield of NC | Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health | Expanded Bronze | EPO | $571 | $7,000 | $10,600 | $17,448 | |
| Blue Cross and Blue Shield of NC | Blue Value Bronze Standard | Limited Statewide Doctors | Expanded Bronze | POS | $572 | $7,500 | $10,000 | $16,864 | |
| Ambetter (Centene) | Elite Bronze with Atrium Health + Vision + Adult Dental | Expanded Bronze | HMO | $579 | $0 | $10,500 | $17,446 | |
| Blue Cross and Blue Shield of NC | Blue Value Bronze Complete | $60 PCP | $20 Tier 1 Rx | Limited Statewide Doctors | Expanded Bronze | POS | $580 | $4,000 | $10,600 | $17,562 | |
| Blue Cross and Blue Shield of NC | Blue Local Bronze Standard | with Atrium Health | Expanded Bronze | EPO | $594 | $7,500 | $10,000 | $17,126 | |
| Blue Cross and Blue Shield of NC | Blue Value Bronze HSA Eligible | Integrated | Limited Statewide Doctors | Expanded Bronze | POS | $595 | $8,500 | $8,500 | $15,640 | |
| Blue Cross and Blue Shield of NC | Blue Local Bronze Complete | $60 PCP | $20 Tier 1 Rx | with Atrium Health | Expanded Bronze | EPO | $602 | $4,000 | $10,600 | $17,822 | |
| Blue Cross and Blue Shield of NC | Blue Local Bronze HSA Eligible | Integrated | with Atrium Health | Expanded Bronze | EPO | $617 | $8,500 | $8,500 | $15,908 | |
| Oscar Health | Silver Simple PCP Saver | with Atrium Health | Silver | HMO | $621 | $5,500 | $9,900 | $17,350 | |
| Oscar Health | Silver Classic Standard | with Atrium Health | Silver | HMO | $629 | $6,000 | $8,900 | $16,449 | |
| Oscar Health | Silver Simple Diabetes | with Atrium Health | Silver | HMO | $630 | $6,500 | $10,000 | $17,560 | |
| Oscar Health | Silver Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health | Silver | HMO | $633 | $6,200 | $9,600 | $17,192 | |
| Ambetter (Centene) | Standard Silver with Atrium Health | Silver | HMO | $634 | $6,000 | $8,900 | $16,504 | |
| Oscar Health | Silver Simple Chronic Care CKM | with Atrium Health | Silver | HMO | $634 | $5,900 | $10,150 | $17,758 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits | with Atrium Health | Silver | HMO | $635 | $6,000 | $10,150 | $17,770 | |
| Oscar Health | Silver Classic | with Atrium Health | Silver | HMO | $637 | $5,400 | $9,200 | $16,849 | |
| Ambetter (Centene) | Focused Silver with Atrium Health | Silver | HMO | $640 | $6,300 | $8,400 | $16,082 | |
| Ambetter (Centene) | Standard Silver with Atrium Health + Vision + Adult Dental | Silver | HMO | $655 | $6,000 | $8,900 | $16,760 | |
| Ambetter (Centene) | Standard Gold with Atrium Health | Gold | HMO | $655 | $2,000 | $8,200 | $16,061 | |
| Ambetter (Centene) | Focused Silver with Atrium Health + Vision + Adult Dental | Silver | HMO | $662 | $6,300 | $8,400 | $16,340 | |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors | Expanded Bronze | HMO | $674 | $7,000 | $10,600 | $18,683 | |
| Ambetter (Centene) | Standard Gold with Atrium Health + Vision + Adult Dental | Gold | HMO | $677 | $2,000 | $8,200 | $16,325 | |
| Oscar Health | Gold Classic Standard | with Atrium Health | Gold | HMO | $677 | $2,000 | $8,200 | $16,328 | |
| Ambetter (Centene) | Complete Gold with Atrium Health | Gold | HMO | $685 | $1,450 | $7,500 | $15,718 | |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors | Expanded Bronze | PPO | $694 | $7,000 | $10,600 | $18,932 | |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Standard | Statewide Doctors | Expanded Bronze | HMO | $702 | $7,500 | $10,000 | $18,428 | |
| Ambetter (Centene) | Complete Gold with Atrium Health + Vision + Adult Dental | Gold | HMO | $708 | $1,450 | $7,500 | $15,994 | |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors | Expanded Bronze | HMO | $710 | $4,000 | $10,600 | $19,125 | |
| Blue Cross and Blue Shield of NC | Blue Value Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Limited Statewide Doctors | Silver | POS | $721 | $2,800 | $10,600 | $19,249 | |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Standard | Nationwide Doctors | Expanded Bronze | PPO | $722 | $7,500 | $10,000 | $18,664 | |
| Blue Cross and Blue Shield of NC | Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors | Expanded Bronze | HMO | $728 | $8,500 | $8,500 | $17,239 | |
| Blue Cross and Blue Shield of NC | Blue Value Silver Standard | Limited Statewide Doctors | Silver | POS | $729 | $6,000 | $8,900 | $17,647 | |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors | Expanded Bronze | PPO | $732 | $4,000 | $10,600 | $19,386 | |
| Blue Cross and Blue Shield of NC | Blue Value Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Limited Statewide Doctors | Silver | POS | $745 | $3,000 | $10,600 | $19,544 | |
| Blue Cross and Blue Shield of NC | Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health | Silver | EPO | $748 | $2,800 | $10,600 | $19,578 | |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors | Expanded Bronze | PPO | $751 | $8,500 | $8,500 | $17,507 | |
| Blue Cross and Blue Shield of NC | Blue Local Silver Standard | with Atrium Health | Silver | EPO | $756 | $6,000 | $8,900 | $17,976 | |
| Blue Cross and Blue Shield of NC | Blue Value Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Limited Statewide Doctors | Gold | POS | $757 | $1,800 | $10,600 | $19,684 | |
| Blue Cross and Blue Shield of NC | Blue Value Gold Standard A | Limited Statewide Doctors | Gold | POS | $765 | $2,000 | $8,200 | $17,377 | |
| Blue Cross and Blue Shield of NC | Blue Local Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with Atrium Health | Silver | EPO | $773 | $3,000 | $10,600 | $19,879 | |
| Blue Cross and Blue Shield of NC | Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health | Gold | EPO | $785 | $1,800 | $10,600 | $20,021 | |
| Blue Cross and Blue Shield of NC | Blue Local Gold Standard A | with Atrium Health | Gold | EPO | $793 | $2,000 | $8,200 | $17,716 | |
| Blue Cross and Blue Shield of NC | Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors | Silver | HMO | $883 | $2,800 | $10,600 | $21,193 | |
| Blue Cross and Blue Shield of NC | Blue Care Silver Standard | Statewide Doctors | Silver | HMO | $895 | $6,000 | $8,900 | $19,636 | |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Nationwide Doctors | Silver | PPO | $910 | $2,800 | $10,600 | $21,518 | |
| Blue Cross and Blue Shield of NC | Blue Care Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Statewide Doctors | Silver | HMO | $913 | $3,000 | $10,600 | $21,550 | |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Standard | Nationwide Doctors | Silver | PPO | $920 | $6,000 | $8,900 | $19,936 | |
| Blue Cross and Blue Shield of NC | Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors | Gold | HMO | $926 | $1,800 | $10,600 | $21,716 | |
| Blue Cross and Blue Shield of NC | Blue Care Gold Standard A | Statewide Doctors | Gold | HMO | $938 | $2,000 | $8,200 | $19,455 | |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Nationwide Doctors | Silver | PPO | $941 | $3,000 | $10,600 | $21,887 | |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors | Gold | PPO | $955 | $1,800 | $10,600 | $22,057 | |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Standard A | Nationwide Doctors | Gold | PPO | $964 | $2,000 | $8,200 | $19,771 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $485 | $575 | $751 | 28 | $7,000 | $10,150 | $17,162 |
| Silver | $621 | $721 | $941 | 23 | $6,000 | $9,900 | $17,770 |
| Gold | $655 | $765 | $964 | 13 | $2,000 | $8,200 | $17,716 |
* 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.