Oscar Health in North Carolina health insurance (2026)
Oscar Health sells 22 marketplace plans in 23 of 100 North Carolina counties for 2026, from $449/mo; typical Silver $635/mo, before tax credits. Buy on HealthCare.gov.
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).
Who needs coverage?
Showing prices for one 40-year-old. Add everyone on the plan to see your household's price; every insurance price on this page updates.
Each person is priced by age using this state's official age curve; only the three oldest children under 21 are charged. Out-of-pocket maximums and bad years use the family maximum (twice the individual amount for nearly every plan); deductibles are shown per person. How we calculate this
Oscar Health plans in North Carolina
- Bronze $449–$736
- Silver $575–$868
- Gold $628–$923
| Plan | Network | Monthly | Deductible | Out-of-pocket max | Bad year | Details |
|---|---|---|---|---|---|---|
| Bronze 9 plans · $449–$736/mo | ||||||
| Bronze Classic Standard | with Atrium Health Expanded Bronze | HMO | $449–$571in 12 counties | $7,500 | $10,000 | $15,390–$16,851 | Benefits summary Find doctors |
| Bronze Classic Standard Expanded Bronze | HMO | $457–$661in 11 counties | $7,500 | $10,000 | $15,485–$17,927 | Benefits summary Find doctors |
| Bronze Simple Diabetes | with Atrium Health Expanded Bronze | HMO | $458–$582in 12 counties | $5,500 | $10,150 | $15,648–$17,138 | Benefits summary Find doctors |
| Bronze Classic 4700 | with Atrium Health Expanded Bronze | HMO | $460–$584in 12 counties | $4,700 | $9,600 | $15,115–$16,609 | Benefits summary Find doctors |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health Expanded Bronze | HMO | $461–$586in 12 counties | $5,500 | $10,150 | $15,681–$17,179 | Benefits summary Find doctors |
| Bronze Classic 4700 Expanded Bronze | HMO | $468–$676in 11 counties | $4,700 | $9,600 | $15,212–$17,711 | Benefits summary Find doctors |
| Bronze Simple Chronic Care CKM | with Atrium Health Expanded Bronze | HMO | $468–$595in 12 counties | $5,500 | $10,150 | $15,764–$17,285 | Benefits summary Find doctors |
| Bronze Elite + PCP Saver Plus | with Atrium Health Expanded Bronze | HMO | $501–$636in 12 counties | $0 | $10,600 | $16,608–$18,236 | Benefits summary Find doctors |
| Bronze Elite + PCP Saver Plus Expanded Bronze | HMO | $509–$736in 11 counties | $0 | $10,600 | $16,714–$19,435 | Benefits summary Find doctors |
| Silver 11 plans · $575–$868/mo | ||||||
| Silver Simple PCP Saver | with Atrium Health | HMO | $575–$731in 12 counties | $5,500 | $9,900 | $16,801–$18,671 | Benefits summary Find doctors |
| Silver Classic Standard | with Atrium Health | HMO | $583–$741in 12 counties | $6,000 | $8,900 | $15,894–$17,789 | Benefits summary Find doctors |
| Silver Simple Diabetes | with Atrium Health | HMO | $584–$742in 12 counties | $6,500 | $10,000 | $17,004–$18,902 | Benefits summary Find doctors |
| Silver Simple PCP Saver | HMO | $585–$846in 11 counties | $5,500 | $9,900 | $16,922–$20,049 | Benefits summary Find doctors |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health | HMO | $586–$745in 12 counties | $6,200 | $9,600 | $16,633–$18,538 | Benefits summary Find doctors |
| Silver Simple Chronic Care CKM | with Atrium Health | HMO | $587–$746in 12 counties | $5,900 | $10,150 | $17,198–$19,108 | Benefits summary Find doctors |
| Silver Simple Women's Health with Menopause Benefits | with Atrium Health | HMO | $588–$748in 12 counties | $6,000 | $10,150 | $17,209–$19,122 | Benefits summary Find doctors |
| Silver Classic | with Atrium Health | HMO | $591–$751in 12 counties | $5,400 | $9,200 | $16,286–$18,206 | Benefits summary Find doctors |
| Silver Classic Standard | HMO | $593–$857in 11 counties | $6,000 | $8,900 | $16,017–$19,185 | Benefits summary Find doctors |
| Silver Simple Diabetes | HMO | $594–$858in 11 counties | $6,500 | $10,000 | $17,127–$20,300 | Benefits summary Find doctors |
| Silver Classic | HMO | $601–$868in 11 counties | $5,400 | $9,200 | $16,411–$19,621 | Benefits summary Find doctors |
| Gold 2 plans · $628–$923/mo | ||||||
| Gold Classic Standard | with Atrium Health | HMO | $628–$798in 12 counties | $2,000 | $8,200 | $15,730–$17,770 | Benefits summary Find doctors |
| Gold Classic Standard | HMO | $639–$923in 11 counties | $2,000 | $8,200 | $15,862–$19,274 | Benefits summary Find doctors |
Each plan's price range runs across the counties where it is sold. Open a county for exact prices and to compare, save or check a plan.
Where Oscar Health sells plans
| County | Plans | Price range | Typical Silver |
|---|---|---|---|
| Alamance County | 8 | $488–$682 | $634 |
| Anson County | 14 | $449–$628 | $586 |
| Buncombe County | 8 | $661–$923 | $858 |
| Cabarrus County | 14 | $449–$628 | $586 |
| Cleveland County | 14 | $485–$677 | $633 |
| Davidson County | 14 | $491–$686 | $641 |
| Davie County | 14 | $491–$686 | $641 |
| Forsyth County | 14 | $491–$686 | $641 |
| Guilford County | 8 | $457–$639 | $593 |
| Henderson County | 8 | $661–$923 | $858 |
| Lincoln County | 14 | $485–$677 | $633 |
| Madison County | 8 | $661–$923 | $858 |
| McDowell County | 8 | $661–$923 | $858 |
| Mecklenburg County | 14 | $449–$628 | $586 |
| Mitchell County | 8 | $661–$923 | $858 |
| Polk County | 8 | $661–$923 | $858 |
| Rockingham County | 8 | $457–$639 | $593 |
| Stanly County | 14 | $449–$628 | $586 |
| Transylvania County | 8 | $661–$923 | $858 |
| Union County | 14 | $449–$628 | $586 |
| Wilkes County | 14 | $571–$798 | $745 |
| Yadkin County | 14 | $491–$686 | $641 |
| Yancey County | 8 | $661–$923 | $858 |
Other insurers in North Carolina
- Ambetter (Centene) Silver $650/mo
- AmeriHealth Caritas Next Silver $722/mo
- Blue Cross and Blue Shield of NC Silver $834/mo
- UnitedHealthcare Silver $883/mo
- Cigna Healthcare Silver $906/mo
All North Carolina prices · Sorted by typical Silver price.
Frequently asked questions
How much does Oscar Health health insurance cost in North Carolina?
For plan year 2026, Oscar Health marketplace plans in North Carolina cost $449 to $923 a month for one 40-year-old before tax credits (Catastrophic plans not counted). Typical (median) prices by metal level: Bronze $503, Silver $635, Gold $682. Prices depend on the county.
What is the cheapest Oscar Health plan in North Carolina?
Bronze Classic Standard | with Atrium Health (Expanded Bronze), from $449 a month for a 40-year-old before tax credits, in the county where it costs least.
Where does Oscar Health sell marketplace plans in North Carolina?
In 23 of North Carolina's 100 counties, including Alamance County, Anson County, Buncombe County, Cabarrus County, Cleveland County, Davidson County and others.
How do I buy a Oscar Health plan in North Carolina?
On HealthCare.gov (https://www.healthcare.gov/see-plans/), the official marketplace for North Carolina, where you also apply for a tax credit. HealthCoveragePrices does not sell plans.