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Marketplace health plans in Pender 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, Pender County, North Carolina has 65 Marketplace health plans from 4 insurers: 26 bronze, 23 silver, 16 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $685.82 per month; the lowest bronze premium is $533.44.
What changed vs 2025
- Benchmark silver premium up $132.61 a month (+24.0%) from 2025
- 5 more plans than 2025
- Insurers exited: WellCare of North Carolina
- Lowest bronze premium up $107.41 a month
Market snapshot
- Residents under 65
- 53,618
- Insurers
- 4
- Plans by metal level
- 26 bronze, 23 silver, 16 gold
- Benchmark silver premium, age 40, before subsidies
- $685.82/mo
- Lowest bronze premium, age 40, before subsidies
- $533.44/mo
- Lowest gold premium, age 40, before subsidies
- $708.98/mo
- Lowest silver deductible
- $2,500
- Lowest out-of-pocket maximum
- $7,000
Insurers in the county
- Blue Cross and Blue Shield of NC — 27 plans (Bronze, Silver, Gold)
- Ambetter of North Carolina — 15 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 13 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 (77264NC0010028) | Ambetter of North Carolina | HMO | $533.44 | $8,450 | $10,150 | 26 |
|---|
| Silver | Clear Silver with $0 Insulin Options (77264NC0010037) | Ambetter of North Carolina | HMO | $685.60 | $7,000 | $7,000 | 23 |
|---|
| Gold | Standard Gold (77264NC0010046) | Ambetter of North Carolina | HMO | $708.98 | $2,000 | $8,200 | 16 |
|---|
One plan per metal level shown, of 65 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 |
|---|
| $536.64 | $562.39 | $609.08 | $685.82 | $958.43 | $1,456.42 |
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.