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Marketplace health plans in Gaston County, NC — 2026
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 2026, Gaston County, North Carolina has 60 Marketplace health plans from 3 insurers: 26 bronze, 20 silver, 14 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $640.14 per month; the lowest bronze premium is $492.87.
What changed vs 2025
- Benchmark silver premium up $118.59 a month (+22.7%) from 2025
- 19 fewer plans than 2025
- Insurers entered: Cigna Healthcare
- Insurers exited: Aetna CVS Health, CareSource, WellCare of North Carolina
- Lowest bronze premium up $96.23 a month
Market snapshot
- Residents under 65
- 196,114
- Insurers
- 3
- Plans by metal level
- 26 bronze, 20 silver, 14 gold
- Benchmark silver premium, age 40, before subsidies
- $640.14/mo
- Lowest bronze premium, age 40, before subsidies
- $492.87/mo
- Lowest gold premium, age 40, before subsidies
- $655.06/mo
- Lowest silver deductible
- $2,800
- Lowest out-of-pocket maximum
- $7,500
Insurers in the county
- Blue Cross and Blue Shield of NC — 36 plans (Bronze, Silver, Gold)
- Ambetter of North Carolina — 14 plans (Bronze, Silver, Gold)
- Cigna Healthcare — 10 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 | Everyday Bronze with Atrium Health (77264NC0010049) | Ambetter of North Carolina | HMO | $492.87 | $8,450 | $10,150 | 26 |
|---|
| Silver | Standard Silver with Atrium Health (77264NC0010060) | Ambetter of North Carolina | HMO | $633.66 | $6,000 | $8,900 | 20 |
|---|
| Gold | Standard Gold with Atrium Health (77264NC0010061) | Ambetter of North Carolina | HMO | $655.06 | $2,000 | $8,200 | 14 |
|---|
One plan per metal level shown, of 60 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 |
|---|
| $500.90 | $524.94 | $568.51 | $640.14 | $894.60 | $1,359.42 |
Nearby counties
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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 2026; 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.