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Marketplace health plans in Mecklenburg 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, Mecklenburg County, North Carolina has 79 Marketplace health plans from 4 insurers: 31 bronze, 28 silver, 20 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $625.94 per month; the lowest bronze premium is $507.06.
What changed vs 2026
- Benchmark silver premium up $43.10 a month (+7.4%) from 2026
- 2 fewer plans than 2026
- Insurers exited: Cigna Healthcare
- Lowest bronze premium up $60.21 a month
Market snapshot
- Residents under 65
- 1,016,776
- Insurers
- 4
- Plans by metal level
- 31 bronze, 28 silver, 20 gold
- Benchmark silver premium, age 40, before subsidies
- $625.94/mo
- Lowest bronze premium, age 40, before subsidies
- $507.06/mo
- Lowest gold premium, age 40, before subsidies
- $699.37/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $8,600
Insurers in the county
- Blue Cross and Blue Shield of NC — 32 plans (Bronze, Silver, Gold)
- Oscar Health Plan of North Carolina, Inc — 17 plans (Bronze, Silver, Gold)
- Ambetter of North Carolina — 15 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 15 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 | Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | HSA Eligible | Integrated | with Novant Health (11512NC0400021) | Blue Cross and Blue Shield of NC | EPO | $507.06 | $7,000 | $12,000 | 31 |
| Silver | Streamlined Silver with Atrium Health (77264NC0010016) | Ambetter of North Carolina | HMO | $612.72 | $4,700 | $11,300 | 28 |
| Gold | Signature Gold with Atrium Health (77264NC0010061) | Ambetter of North Carolina | HMO | $699.37 | $2,500 | $8,600 | 20 |
One plan per metal level shown, of 79 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 |
|---|---|---|---|---|---|
| $489.79 | $513.29 | $555.90 | $625.94 | $874.75 | $1,329.27 |
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.