Health insurance prices in Durham County, NC (2026)
31 marketplace plans from 3 insurers. Cheapest plan $460/mo; typical Silver $645/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 $506) · Silver $603–$999 (typical $645) · Gold $633–$1,199 (typical $672)
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 | |
| Ambetter (Centene) | 15 | $489 | $507 | $645 | $676 | Everyday Bronze | |
| Cigna HealthcareCigna Group | 7 | $798 | $800 | $996 | $1,199 | Connect Bronze RD 6000 Indiv Med Deductible |
All 31 plans in Durham 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 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $489 | $8,450 | $10,150 | $16,021 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $491 | $7,500 | $10,000 | $15,893 | |
| 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 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $506 | $8,450 | $10,150 | $16,218 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $508 | $7,500 | $10,000 | $16,092 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $556 | $0 | $10,500 | $17,170 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $575 | $0 | $10,500 | $17,395 | |
| 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 | |
| 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 | |
| Ambetter (Centene) | Clear Silver with $0 Insulin Options | Silver | HMO | $629 | $7,000 | $7,000 | $14,545 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $629 | $6,000 | $8,900 | $16,448 | |
| 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 | |
| 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 | |
| Ambetter (Centene) | Enhanced Asthma/COPD Care Silver with $0 Drug Options | Silver | HMO | $645 | $5,900 | $8,150 | $15,895 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $650 | $6,000 | $8,900 | $16,701 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $650 | $2,000 | $8,200 | $16,002 | |
| Ambetter (Centene) | Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | HMO | $667 | $5,900 | $8,150 | $16,155 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $672 | $2,000 | $8,200 | $16,265 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $680 | $1,450 | $7,500 | $15,657 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $703 | $1,450 | $7,500 | $15,931 | |
| 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 | |
| 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 | $506 | $813 | 13 | $7,500 | $10,150 | $16,218 |
| Silver | $603 | $645 | $999 | 11 | $5,900 | $8,900 | $16,701 |
| Gold | $633 | $672 | $1,199 | 7 | $2,000 | $8,200 | $16,002 |
* 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.