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Marketplace health plans in Henderson 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, Henderson County, North Carolina has 54 Marketplace health plans from 4 insurers: 21 bronze, 18 silver, 15 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $822.69 per month; the lowest bronze premium is $598.72.
What changed vs 2026
- Benchmark silver premium up $94.07 a month (+12.9%) from 2026
- 3 fewer plans than 2026
- Insurers exited: Cigna Healthcare
- Lowest bronze premium up $47.81 a month
Market snapshot
- Residents under 65
- 87,108
- Insurers
- 4
- Plans by metal level
- 21 bronze, 18 silver, 15 gold
- Benchmark silver premium, age 40, before subsidies
- $822.69/mo
- Lowest bronze premium, age 40, before subsidies
- $598.72/mo
- Lowest gold premium, age 40, before subsidies
- $781.18/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $8,600
Insurers in the county
- Blue Cross and Blue Shield of NC — 20 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 15 plans (Bronze, Silver, Gold)
- Oscar Health Plan of North Carolina, Inc — 11 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 | 21 |
| Silver | AmeriHealth Caritas Next Silver Essential + Two Free PCP Visits + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals (17414NC0010013) | AmeriHealth Caritas Next | HMO | $794.14 | $5,000 | $12,000 | 18 |
| Gold | AmeriHealth Caritas Next Gold Enhanced + Free 24/7 Preferred Provider PCP/Urgent Virtual Care + No Referrals (17414NC0010014) | AmeriHealth Caritas Next | HMO | $781.18 | $1,000 | $10,000 | 15 |
One plan per metal level shown, of 54 plans in the county.
Benchmark silver premium by age
The benchmark plan (AmeriHealth Caritas Next) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $643.74 | $674.63 | $730.64 | $822.69 | $1,149.71 | $1,747.09 |
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.