AmeriHealth Caritas Next Silver Premier + No Referrals
Silver · HMO · AmeriHealth Caritas Next · North Carolina
At age 40 it costs between $608.29 and $752.78 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $400 | $10,200 | $50 | $25 |
| up to 150% of the federal poverty level | $0 | $1,800 | No Charge | No Charge |
| 150% to 200% | $0 | $3,400 | $35 | $15 |
| 200% to 250% | $300 | $8,450 | $50 | $25 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 17414NC0010012 |
|---|---|
| Insurer | AmeriHealth Caritas Next |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $400 |
| Deductible (family) | $800 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,200 |
| Family maximum | $20,400 |
| Primary care visit | $50 |
| Specialist visit | $110 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $25 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-833-613-2262 · TTY 711 |
Where it is sold, and what it costs there
41 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Davidson County | $475.97 | $540.23 | $608.29 | $850.08 | $1,291.78 |
| Davie County | $475.97 | $540.23 | $608.29 | $850.08 | $1,291.78 |
| Forsyth County | $475.97 | $540.23 | $608.29 | $850.08 | $1,291.78 |
| Stokes County | $475.97 | $540.23 | $608.29 | $850.08 | $1,291.78 |
| Surry County | $475.97 | $540.23 | $608.29 | $850.08 | $1,291.78 |
| Yadkin County | $475.97 | $540.23 | $608.29 | $850.08 | $1,291.78 |
| Guilford County | $486.32 | $551.97 | $621.52 | $868.56 | $1,319.86 |
| Randolph County | $486.32 | $551.97 | $621.52 | $868.56 | $1,319.86 |
| Rockingham County | $486.32 | $551.97 | $621.52 | $868.56 | $1,319.86 |
| Alexander County | $513.76 | $583.11 | $656.58 | $917.57 | $1,394.33 |
| Burke County | $513.76 | $583.11 | $656.58 | $917.57 | $1,394.33 |
| Caldwell County | $513.76 | $583.11 | $656.58 | $917.57 | $1,394.33 |
| Catawba County | $513.76 | $583.11 | $656.58 | $917.57 | $1,394.33 |
| Iredell County | $513.76 | $583.11 | $656.58 | $917.57 | $1,394.33 |
| Alamance County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Avery County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Buncombe County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Caswell County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Cherokee County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Clay County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Graham County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Granville County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Haywood County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Henderson County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Jackson County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Macon County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Madison County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| McDowell County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Mitchell County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Person County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Polk County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Rutherford County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Swain County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Transylvania County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Vance County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Warren County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Yancey County | $582.09 | $660.67 | $743.91 | $1,039.61 | $1,579.79 |
| Alleghany County | $589.03 | $668.55 | $752.78 | $1,052.01 | $1,598.63 |
| Ashe County | $589.03 | $668.55 | $752.78 | $1,052.01 | $1,598.63 |
| Watauga County | $589.03 | $668.55 | $752.78 | $1,052.01 | $1,598.63 |
| Wilkes County | $589.03 | $668.55 | $752.78 | $1,052.01 | $1,598.63 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.