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Marketplace health plans in Clay County, NC — 2027
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2027, Clay County, North Carolina has 47 Marketplace health plans from 3 insurers: 17 bronze, 17 silver, 13 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $695.87 per month; the lowest bronze premium is $598.72.
What changed vs 2026
- Benchmark silver premium down $6.54 a month (−0.9%) from 2026
- 4 fewer plans than 2026
- Insurers exited: Cigna Healthcare
- Lowest bronze premium up $52.37 a month
Market snapshot
- Residents under 65
- 7,804
- Insurers
- 3
- Plans by metal level
- 17 bronze, 17 silver, 13 gold
- Benchmark silver premium, age 40, before subsidies
- $695.87/mo
- Lowest bronze premium, age 40, before subsidies
- $598.72/mo
- Lowest gold premium, age 40, before subsidies
- $776.02/mo
- Lowest silver deductible
- $2,700
- Lowest out-of-pocket maximum
- $7,900
Insurers in the county
- Blue Cross and Blue Shield of NC — 20 plans (Bronze, Silver, Gold)
- Ambetter of North Carolina — 19 plans (Bronze, Silver, Gold)
- AmeriHealth Caritas Next — 8 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|---|---|---|---|---|---|---|
| Bronze | AmeriHealth Caritas Next Bronze Essential + Three Free PCP Visits + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals (17414NC0010004) | AmeriHealth Caritas Next | HMO | $598.72 | $12,000 | $12,000 | 17 |
| Silver | Streamlined Silver (77264NC0010017) | Ambetter of North Carolina | HMO | $689.68 | $4,700 | $11,300 | 17 |
| Gold | Signature Gold (77264NC0010046) | Ambetter of North Carolina | HMO | $776.02 | $2,500 | $8,600 | 13 |
One plan per metal level shown, of 47 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter of North Carolina) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $544.51 | $570.64 | $618.01 | $695.87 | $972.48 | $1,477.77 |
Nearby counties
Agent Tools
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2027; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.