Health Insurance in Durham County, NC
Compare 50 ACA plans and check your subsidy eligibility.
2026 Plan Year Data
$450/mo
Bronze from
$585/mo
Silver from
$610/mo
Gold from
$591/mo
Benchmark (SLCSP)
Bronze Plans (1)
Lowest premium, highest cost-sharing. Best if you are healthy and rarely need care.
AmeriHealth Caritas Next Bronze Essential + No Referrals
HMO · AmeriHealth Caritas NextHSA
$551/mo
Age 40 premium
Expanded Bronze Plans (19)
Like Bronze but with some services covered before you meet your deductible.
Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance
EPO · Blue Cross and Blue Shield of NCHSA
$460/mo
Age 40 premium
Blue Home Bronze Standard | with UNC Health Alliance
EPO · Blue Cross and Blue Shield of NCHSA
$478/mo
Age 40 premium
Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance
EPO · Blue Cross and Blue Shield of NCHSA
$485/mo
Age 40 premium
Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance
EPO · Blue Cross and Blue Shield of NCHSA
$497/mo
Age 40 premium
Standard Expanded Bronze + Vision + Adult Dental
HMO · Ambetter of North CarolinaHSA
$506/mo
Age 40 premium
AmeriHealth Caritas Next Bronze Signature + No Referrals
HMO · AmeriHealth Caritas NextHSA
$557/mo
Age 40 premium
Everyday Bronze + Vision + Adult Dental
HMO · Ambetter of North CarolinaHSA
$565/mo
Age 40 premium
AmeriHealth Caritas Next Bronze Premier + No Referrals
HMO · AmeriHealth Caritas NextHSA
$569/mo
Age 40 premium
Elite Bronze + Vision + Adult Dental
HMO · Ambetter of North CarolinaHSA
$642/mo
Age 40 premium
Bronze Classic Standard
HMO · Oscar Health Plan of North Carolina, IncHSA
$661/mo
Age 40 premium
Bronze Classic 4700
HMO · Oscar Health Plan of North Carolina, IncHSA
$676/mo
Age 40 premium
Bronze Elite + PCP Saver Plus
HMO · Oscar Health Plan of North Carolina, IncHSA
$736/mo
Age 40 premium
Connect Bronze 5500 Indiv Med Deductible
HMO · Cigna HealthcareHSA
$894/mo
Age 40 premium
Connect Bronze 6500 Indiv Med Deductible
HMO · Cigna HealthcareHSA
$899/mo
Age 40 premium
Silver Plans (19)
Middle ground. Required for cost-sharing reductions if your income is 100-250% FPL.
AmeriHealth Caritas Next Silver Signature + No Referrals
HMO · AmeriHealth Caritas Next
$596/mo
Age 40 premium
Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance
EPO · Blue Cross and Blue Shield of NC
$603/mo
Age 40 premium
Blue Home Silver Standard | with UNC Health Alliance
EPO · Blue Cross and Blue Shield of NC
$610/mo
Age 40 premium
Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance
EPO · Blue Cross and Blue Shield of NC
$623/mo
Age 40 premium
Silver Simple Diabetes
HMO · Oscar Health Plan of North Carolina, Inc
$634/mo
Age 40 premium
Clear Silver with $0 Insulin Options
HMO · Ambetter of North Carolina
$641/mo
Age 40 premium
Enhanced Asthma/COPD Care Silver with $0 Drug Options
HMO · Ambetter of North Carolina
$721/mo
Age 40 premium
AmeriHealth Caritas Next Silver Essential + No Referrals
HMO · AmeriHealth Caritas Next
$722/mo
Age 40 premium
Standard Silver + Vision + Adult Dental
HMO · Ambetter of North Carolina
$726/mo
Age 40 premium
Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental
HMO · Ambetter of North Carolina
$745/mo
Age 40 premium
AmeriHealth Caritas Next Silver Premier + No Referrals
HMO · AmeriHealth Caritas Next
$753/mo
Age 40 premium
Silver Simple PCP Saver
HMO · Oscar Health Plan of North Carolina, Inc
$846/mo
Age 40 premium
Silver Classic Standard
HMO · Oscar Health Plan of North Carolina, Inc
$857/mo
Age 40 premium
Gold Plans (11)
Higher premium, lower out-of-pocket. Good if you use medical services regularly.
Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance
EPO · Blue Cross and Blue Shield of NC
$633/mo
Age 40 premium
Blue Home Gold Standard A | with UNC Health Alliance
EPO · Blue Cross and Blue Shield of NC
$639/mo
Age 40 premium
AmeriHealth Caritas Next Gold Signature + No Referrals
HMO · AmeriHealth Caritas Next
$746/mo
Age 40 premium
Standard Gold + Vision + Adult Dental
HMO · Ambetter of North Carolina
$751/mo
Age 40 premium
AmeriHealth Caritas Next Gold Premier + No Referrals
HMO · AmeriHealth Caritas Next
$775/mo
Age 40 premium
Complete Gold + Vision + Adult Dental
HMO · Ambetter of North Carolina
$785/mo
Age 40 premium
Gold Classic Standard
HMO · Oscar Health Plan of North Carolina, Inc
$923/mo
Age 40 premium
North Carolina Expanded Medicaid
Adults with income up to 138% FPL may qualify for Medicaid in North Carolina — often with $0 premiums.
Check Medicaid Eligibility