Health insurance plans in Iredell County, NC (2026)
81 marketplace plans from 6 insurers are offered in Iredell County. The cheapest silver plan is $702 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 | $546 | 32 |
| Silver | $702 | 30 |
| Gold | $726 | 19 |
All plans in Iredell County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| 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 |
| Blue Cross and Blue Shield of NC | Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors | Bronze | POS | — | — | $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 |
| Blue Cross and Blue Shield of NC | Blue Value Bronze Standard | Limited Statewide Doctors | Bronze | POS | — | — | $573 |
| Blue Cross and Blue Shield of NC | Blue Value Bronze Complete | $60 PCP | $20 Tier 1 Rx | Limited Statewide Doctors | Bronze | POS | $4,000 | — | $582 |
| Blue Cross and Blue Shield of NC | Blue Value Bronze HSA Eligible | Integrated | Limited Statewide Doctors | Bronze | POS | — | — | $596 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals · UHC Bronze-X Essential ($0 Virtual Urgent Care, No Referrals) | Bronze | HMO | — | — | $597 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors | Bronze | HMO | — | — | $617 |
| Ambetter of North Carolina | Elite Bronze | Bronze | HMO | $0 | — | $621 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) · UHC Bronze-X Standard (No Referrals) | Bronze | HMO | — | — | $631 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors | Bronze | PPO | — | — | $636 |
| Ambetter of North Carolina | Elite Bronze + Vision + Adult Dental | Bronze | HMO | $0 | — | $642 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Standard | Statewide Doctors | Bronze | HMO | — | — | $644 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors | Bronze | HMO | $4,000 | — | $651 |
| UnitedHealthcare | UHC Bronze Standard+ Dental + Vision (No Referrals) · UHC Bronze-X Standard + (Dental + Vision, No Referrals) | Bronze | HMO | — | — | $655 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) · UHC Bronze-X Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Bronze | HMO | $0 | — | $656 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic Standard | Bronze | HMO | — | — | $661 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Standard | Nationwide Doctors | Bronze | PPO | — | — | $662 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors | Bronze | HMO | — | — | $668 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors | Bronze | PPO | $4,000 | — | $671 |
| Oscar Health Plan of North Carolina, Inc | Bronze Classic 4700 | Bronze | HMO | — | — | $676 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors | Bronze | PPO | — | — | $688 |
| Ambetter of North Carolina | Clear Silver with $0 Insulin Options | Silver | HMO | — | — | $702 |
| Ambetter of North Carolina | Standard Silver | Silver | HMO | — | — | $702 |
| Ambetter of North Carolina | Enhanced Asthma/COPD Care Silver with $0 Drug Options | Silver | HMO | — | — | $721 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Essential + No Referrals | Silver | HMO | — | — | $722 |
| Blue Cross and Blue Shield of NC | Blue Value Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Limited Statewide Doctors | Silver | POS | — | — | $723 |
| Ambetter of North Carolina | Standard Silver + Vision + Adult Dental | Silver | HMO | — | — | $726 |
| Ambetter of North Carolina | Standard Gold | Gold | HMO | — | — | $726 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Signature + No Referrals | Silver | HMO | — | — | $729 |
| Blue Cross and Blue Shield of NC | Blue Value Silver Standard | Limited Statewide Doctors | Silver | POS | — | — | $731 |
| Oscar Health Plan of North Carolina, Inc | Bronze Elite + PCP Saver Plus | Bronze | HMO | $0 | — | $736 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Silver Premier + No Referrals | Silver | HMO | — | — | $744 |
| Ambetter of North Carolina | Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | HMO | — | — | $745 |
| AmeriHealth Caritas Next | AmeriHealth Caritas Next Gold Signature + No Referrals | Gold | HMO | — | — | $746 |
Showing 40 of 81 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $549 |
| 40 | $702 |
| 60 | $1,491 |
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 Iredell County County?
The cheapest plan for a 40-year-old non-smoker is $546 a month (Bronze metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $702.
How much does health insurance cost in Iredell County County?
For a 40-year-old non-smoker the cheapest plans in Iredell County start around $546 a month before subsidies. Silver plans cost from $702; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Iredell County County?
6 insurers filed 81 plan options for this county in the 2026 CMS file.