Health insurance plans in Franklin County, NC (2026)
98 marketplace plans from 6 insurers are offered in Franklin County. The cheapest silver plan is $584 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $446 | 39 |
| Silver | $584 | 38 |
| Gold | $613 | 21 |
All plans in Franklin County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of NC | Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance | Bronze | EPO | — | — | $446 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze Standard | with UNC Health Alliance | Bronze | EPO | — | — | $464 |
| Ambetter of North Carolina | Everyday Bronze with Atrium Health | Bronze | HMO | — | — | $464 |
| Ambetter of North Carolina | Standard Expanded Bronze with Atrium Health | Bronze | HMO | — | — | $466 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance | Bronze | EPO | $4,000 | — | $470 |
| Ambetter of North Carolina | Everyday Bronze with Atrium Health + Vision + Adult Dental | Bronze | HMO | — | — | $480 |
| Ambetter of North Carolina | Standard Expanded Bronze with Atrium Health + Vision + Adult Dental | Bronze | HMO | — | — | $482 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance | Bronze | EPO | — | — | $482 |
| Ambetter of North Carolina | Elite Bronze with Atrium Health | Bronze | HMO | $0 | — | $528 |
| Ambetter of North Carolina | Elite Bronze with Atrium Health + Vision + Adult Dental | Bronze | HMO | $0 | — | $545 |
| Ambetter of North Carolina | Everyday Bronze | Bronze | HMO | — | — | $546 |
| Ambetter of North Carolina | Standard Expanded Bronze | Bronze | HMO | — | — | $548 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Essential + No Referrals | Bronze | HMO | — | — | $551 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Signature + No Referrals | Bronze | HMO | — | — | $557 |
| Ambetter of North Carolina | Everyday Bronze + Vision + Adult Dental | Bronze | HMO | — | — | $565 |
| Ambetter of North Carolina | Standard Expanded Bronze + Vision + Adult Dental | Bronze | HMO | — | — | $567 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Bronze Premier + No Referrals | Bronze | HMO | — | — | $569 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic Standard | with Atrium Health | Bronze | HMO | — | — | $571 |
| Oscar Health Plan of North Carolina, Inc | Bronze Simple Diabetes | with Atrium Health | Bronze | HMO | — | — | $582 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic 4700 | with Atrium Health | Bronze | HMO | — | — | $584 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance | Silver | EPO | — | — | $584 |
| Oscar Health Plan of North Carolina, Inc | Bronze Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health | Bronze | HMO | — | — | $586 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Standard | with UNC Health Alliance | Silver | EPO | — | — | $591 |
| Oscar Health Plan of North Carolina, Inc | Bronze Simple Chronic Care CKM | with Atrium Health | Bronze | HMO | — | — | $595 |
| Ambetter of North Carolina | Standard Silver with Atrium Health | Silver | HMO | — | — | $597 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals · UHC Bronze-X Essential ($0 Virtual Urgent Care, No Referrals) | Bronze | HMO | — | — | $597 |
| Ambetter of North Carolina | Focused Silver with Atrium Health | Silver | HMO | — | — | $603 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance | Silver | EPO | $3,000 | — | $604 |
| Blue Cross and Blue Shield of NC | Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance | Gold | EPO | $1,800 | — | $613 |
| Ambetter of North Carolina | Standard Silver with Atrium Health + Vision + Adult Dental | Silver | HMO | — | — | $617 |
| Ambetter of North Carolina | Standard Gold with Atrium Health | Gold | HMO | — | — | $617 |
| Blue Cross and Blue Shield of NC | Blue Home Gold Standard A | with UNC Health Alliance | Gold | EPO | — | — | $619 |
| Ambetter of North Carolina | Elite Bronze | Bronze | HMO | $0 | — | $621 |
| Ambetter of North Carolina | Focused Silver with Atrium Health + Vision + Adult Dental | Silver | HMO | — | — | $623 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) · UHC Bronze-X Standard (No Referrals) | Bronze | HMO | — | — | $631 |
| Oscar Health Plan of North Carolina, Inc | Bronze Elite + PCP Saver Plus | with Atrium Health | Bronze | HMO | $0 | — | $636 |
| Ambetter of North Carolina | Standard Gold with Atrium Health + Vision + Adult Dental | Gold | HMO | — | — | $638 |
| Ambetter of North Carolina | Elite Bronze + Vision + Adult Dental | Bronze | HMO | $0 | — | $642 |
| Ambetter of North Carolina | Complete Gold with Atrium Health | Gold | HMO | — | — | $645 |
| UnitedHealthcare | UHC Bronze Standard+ Dental + Vision (No Referrals) · UHC Bronze-X Standard + (Dental + Vision, No Referrals) | Bronze | HMO | — | — | $655 |
Showing 40 of 98 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $457 |
| 40 | $584 |
| 60 | $1,241 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in North Carolina · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Franklin County County?
The cheapest plan for a 40-year-old non-smoker is $446 a month (Bronze metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $584.
How much does health insurance cost in Franklin County County?
For a 40-year-old non-smoker the cheapest plans in Franklin County start around $446 a month before subsidies. Silver plans cost from $584; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Franklin County County?
6 insurers filed 98 plan options for this county in the 2026 CMS file.