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Marketplace health plans in Wilkes 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, Wilkes County, North Carolina has 64 Marketplace health plans from 4 insurers: 27 bronze, 24 silver, 13 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $677.28 per month; the lowest bronze premium is $514.46.
What changed vs 2025
- Benchmark silver premium up $189.86 a month (+39.0%) from 2025
- 24 fewer plans than 2025
- Insurers exited: Aetna CVS Health, CareSource, WellCare of North Carolina
- Lowest bronze premium up $149.76 a month
Market snapshot
- Residents under 65
- 50,825
- Insurers
- 4
- Plans by metal level
- 27 bronze, 24 silver, 13 gold
- Benchmark silver premium, age 40, before subsidies
- $677.28/mo
- Lowest bronze premium, age 40, before subsidies
- $514.46/mo
- Lowest gold premium, age 40, before subsidies
- $700.37/mo
- Lowest silver deductible
- $400
- 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)
- Oscar Health Plan of North Carolina, Inc — 14 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 | Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health (11512NC0410048) | Blue Cross and Blue Shield of NC | EPO | $514.46 | $7,000 | $10,600 | 27 |
|---|
| Silver | Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health (11512NC0410030) | Blue Cross and Blue Shield of NC | EPO | $674.43 | $2,800 | $10,600 | 24 |
|---|
| Gold | Standard Gold (77264NC0010046) | Ambetter of North Carolina | HMO | $700.37 | $2,000 | $8,200 | 13 |
|---|
One plan per metal level shown, of 64 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 |
|---|
| $529.96 | $555.39 | $601.49 | $677.28 | $946.49 | $1,438.28 |
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.