North Carolina
Cheapest ACA plans in Davidson County, North Carolina for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Davidson County, North Carolina has 6 on-exchange carriers offering 89 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Ambetter of North Carolina Everyday Bronze with Atrium Health at $420 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Davidson County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Davidson County |
|---|---|---|
| Expanded Bronze | $420 | 33 |
| Bronze | $450 | 2 |
| Silver | $540 | 33 |
| Gold | $558 | 21 |
The actual cheapest Bronze plan in Davidson County
Ambetter of North Carolina Everyday Bronze with Atrium Health
$420/moFor a family of four (two 40-year-olds and two kids under 14): Ambetter of North Carolina Everyday Bronze with Atrium Health at $1,343/month before subsidies.
Carriers selling 2026 plans in Davidson County
6 carriers sell 2026 plans on Healthcare.gov. 127 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| BlueCross BlueShield of North Carolina | 30 |
| Ambetter | 14 |
| Oscar | 14 |
| UnitedHealthcare | 13 |
| Cigna | 10 |
| AmeriHealth Caritas Next | 8 |
Frequently asked questions
What is the cheapest ACA plan in Davidson County, North Carolina for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Ambetter of North Carolina Everyday Bronze with Atrium Health at $420 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Does North Carolina use Healthcare.gov?
Yes. North Carolina participates in the federally-facilitated Marketplace (FFM) and is in fact the largest Healthcare.gov state by Marketplace enrollment, with roughly one million or more enrollees. Enrollment and subsidy applications run through healthcare.gov.
Has North Carolina expanded Medicaid?
Yes, effective December 1, 2023. House Bill 76 was a bipartisan deal signed by Gov. Roy Cooper earlier in 2023 that tied expansion to certificate-of-need reforms. Adults 19-64 up to 138% FPL qualify; roughly 600,000 residents have been added to Medicaid rolls since implementation.
What was North Carolina House Bill 76?
HB 76 was the 2023 bipartisan legislation that authorized Medicaid expansion in North Carolina as part of a broader deal that included reforms to the state's certificate-of-need hospital regulations. Implementation began December 1, 2023, making NC one of the most recent expansion states.
More North Carolina pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- North Carolina Department of Insurance for rate review, carrier filings, and consumer guidance.
- NC Department of Health and Human Services: Medicaid Expansion for NC Medicaid expansion eligibility and enrollment.
- KFF: North Carolina State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.