Connect Silver 5000 Indiv Med Deductible
Silver · HMO · Cigna Healthcare · North Carolina
At age 40 it costs between $681.94 and $1,113.05 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 | $5,000 | $8,850 | $30 | $3 |
| up to 150% of the federal poverty level | $0 | $2,400 | No Charge | No Charge |
| 150% to 200% | $550 | $3,225 | $10 | $3 |
| 200% to 250% | $3,700 | $7,150 | $30 | $3 |
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 | 73943NC0070029 |
|---|---|
| Insurer | Cigna Healthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $5,000 |
| Deductible (family) | $10,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,850 |
| Family maximum | $17,700 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | 49% Coinsurance after deductible |
| Specialty drugs | 50% Coinsurance 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 | 1-877-900-1237 · TTY 1-800-676-3777 |
Where it is sold, and what it costs there
74 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 |
|---|---|---|---|---|---|
| Anson County | $533.60 | $605.64 | $681.94 | $953.01 | $1,448.19 |
| Cabarrus County | $533.60 | $605.64 | $681.94 | $953.01 | $1,448.19 |
| Mecklenburg County | $533.60 | $605.64 | $681.94 | $953.01 | $1,448.19 |
| Rowan County | $533.60 | $605.64 | $681.94 | $953.01 | $1,448.19 |
| Union County | $533.60 | $605.64 | $681.94 | $953.01 | $1,448.19 |
| Gaston County | $548.32 | $622.34 | $700.75 | $979.30 | $1,488.14 |
| Guilford County | $561.20 | $636.96 | $717.21 | $1,002.30 | $1,523.10 |
| Randolph County | $561.20 | $636.96 | $717.21 | $1,002.30 | $1,523.10 |
| Rockingham County | $561.20 | $636.96 | $717.21 | $1,002.30 | $1,523.10 |
| Davidson County | $564.26 | $640.44 | $721.12 | $1,007.77 | $1,531.40 |
| Davie County | $564.26 | $640.44 | $721.12 | $1,007.77 | $1,531.40 |
| Forsyth County | $564.26 | $640.44 | $721.12 | $1,007.77 | $1,531.40 |
| Stokes County | $564.26 | $640.44 | $721.12 | $1,007.77 | $1,531.40 |
| Yadkin County | $564.26 | $640.44 | $721.12 | $1,007.77 | $1,531.40 |
| Bertie County | $674.66 | $765.74 | $862.22 | $1,204.94 | $1,831.03 |
| Camden County | $674.66 | $765.74 | $862.22 | $1,204.94 | $1,831.03 |
| Chowan County | $674.66 | $765.74 | $862.22 | $1,204.94 | $1,831.03 |
| Currituck County | $674.66 | $765.74 | $862.22 | $1,204.94 | $1,831.03 |
| Gates County | $674.66 | $765.74 | $862.22 | $1,204.94 | $1,831.03 |
| Halifax County | $674.66 | $765.74 | $862.22 | $1,204.94 | $1,831.03 |
| Hertford County | $674.66 | $765.74 | $862.22 | $1,204.94 | $1,831.03 |
| Martin County | $674.66 | $765.74 | $862.22 | $1,204.94 | $1,831.03 |
| Northampton County | $674.66 | $765.74 | $862.22 | $1,204.94 | $1,831.03 |
| Pasquotank County | $674.66 | $765.74 | $862.22 | $1,204.94 | $1,831.03 |
| Perquimans County | $674.66 | $765.74 | $862.22 | $1,204.94 | $1,831.03 |
| Montgomery County | $699.20 | $793.59 | $893.58 | $1,248.77 | $1,897.63 |
| Moore County | $699.20 | $793.59 | $893.58 | $1,248.77 | $1,897.63 |
| Bladen County | $711.46 | $807.51 | $909.25 | $1,270.67 | $1,930.90 |
| Cumberland County | $711.46 | $807.51 | $909.25 | $1,270.67 | $1,930.90 |
| Harnett County | $711.46 | $807.51 | $909.25 | $1,270.67 | $1,930.90 |
| Hoke County | $711.46 | $807.51 | $909.25 | $1,270.67 | $1,930.90 |
| Richmond County | $711.46 | $807.51 | $909.25 | $1,270.67 | $1,930.90 |
| Robeson County | $711.46 | $807.51 | $909.25 | $1,270.67 | $1,930.90 |
| Sampson County | $711.46 | $807.51 | $909.25 | $1,270.67 | $1,930.90 |
| Scotland County | $711.46 | $807.51 | $909.25 | $1,270.67 | $1,930.90 |
| Beaufort County | $732.93 | $831.88 | $936.68 | $1,309.01 | $1,989.17 |
| Carteret County | $732.93 | $831.88 | $936.68 | $1,309.01 | $1,989.17 |
| Craven County | $732.93 | $831.88 | $936.68 | $1,309.01 | $1,989.17 |
| Dare County | $732.93 | $831.88 | $936.68 | $1,309.01 | $1,989.17 |
| Hyde County | $732.93 | $831.88 | $936.68 | $1,309.01 | $1,989.17 |
| Jones County | $732.93 | $831.88 | $936.68 | $1,309.01 | $1,989.17 |
| Lenoir County | $732.93 | $831.88 | $936.68 | $1,309.01 | $1,989.17 |
| Pamlico County | $732.93 | $831.88 | $936.68 | $1,309.01 | $1,989.17 |
| Tyrrell County | $732.93 | $831.88 | $936.68 | $1,309.01 | $1,989.17 |
| Washington County | $732.93 | $831.88 | $936.68 | $1,309.01 | $1,989.17 |
| Brunswick County | $778.01 | $883.04 | $994.30 | $1,389.53 | $2,111.52 |
| Columbus County | $778.01 | $883.04 | $994.30 | $1,389.53 | $2,111.52 |
| Duplin County | $778.01 | $883.04 | $994.30 | $1,389.53 | $2,111.52 |
| New Hanover County | $778.01 | $883.04 | $994.30 | $1,389.53 | $2,111.52 |
| Onslow County | $778.01 | $883.04 | $994.30 | $1,389.53 | $2,111.52 |
| Pender County | $778.01 | $883.04 | $994.30 | $1,389.53 | $2,111.52 |
| Edgecombe County | $834.13 | $946.74 | $1,066.02 | $1,489.76 | $2,263.83 |
| Greene County | $834.13 | $946.74 | $1,066.02 | $1,489.76 | $2,263.83 |
| Nash County | $834.13 | $946.74 | $1,066.02 | $1,489.76 | $2,263.83 |
| Pitt County | $834.13 | $946.74 | $1,066.02 | $1,489.76 | $2,263.83 |
| Wayne County | $834.13 | $946.74 | $1,066.02 | $1,489.76 | $2,263.83 |
| Wilson County | $834.13 | $946.74 | $1,066.02 | $1,489.76 | $2,263.83 |
| Avery County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Buncombe County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Cherokee County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Clay County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Graham County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Haywood County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Henderson County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Jackson County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Macon County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Madison County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| McDowell County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Mitchell County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Polk County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Rutherford County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Swain County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Transylvania County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
| Yancey County | $870.93 | $988.51 | $1,113.05 | $1,555.48 | $2,363.70 |
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.