Connect Silver 3600 Indiv Med Deductible
Silver · HMO · Cigna Healthcare · North Carolina
At age 40 it costs between $683.23 and $1,115.16 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 | $3,600 | $9,150 | $20 | $3 |
| up to 150% of the federal poverty level | $125 | $1,700 | $5 | No Charge |
| 150% to 200% | $850 | $3,000 | $10 | No Charge |
| 200% to 250% | $3,200 | $7,150 | $15 | $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 | 73943NC0070030 |
|---|---|
| Insurer | Cigna Healthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $3,600 |
| Deductible (family) | $7,200 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,150 |
| Family maximum | $18,300 |
| Primary care visit | $20 |
| Specialist visit | $50 |
| 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 | $534.61 | $606.78 | $683.23 | $954.81 | $1,450.93 |
| Cabarrus County | $534.61 | $606.78 | $683.23 | $954.81 | $1,450.93 |
| Mecklenburg County | $534.61 | $606.78 | $683.23 | $954.81 | $1,450.93 |
| Rowan County | $534.61 | $606.78 | $683.23 | $954.81 | $1,450.93 |
| Union County | $534.61 | $606.78 | $683.23 | $954.81 | $1,450.93 |
| Gaston County | $549.36 | $623.52 | $702.08 | $981.16 | $1,490.96 |
| Guilford County | $562.26 | $638.17 | $718.57 | $1,004.20 | $1,525.97 |
| Randolph County | $562.26 | $638.17 | $718.57 | $1,004.20 | $1,525.97 |
| Rockingham County | $562.26 | $638.17 | $718.57 | $1,004.20 | $1,525.97 |
| Davidson County | $565.34 | $641.66 | $722.50 | $1,009.70 | $1,534.33 |
| Davie County | $565.34 | $641.66 | $722.50 | $1,009.70 | $1,534.33 |
| Forsyth County | $565.34 | $641.66 | $722.50 | $1,009.70 | $1,534.33 |
| Stokes County | $565.34 | $641.66 | $722.50 | $1,009.70 | $1,534.33 |
| Yadkin County | $565.34 | $641.66 | $722.50 | $1,009.70 | $1,534.33 |
| Bertie County | $675.95 | $767.20 | $863.86 | $1,207.25 | $1,834.53 |
| Camden County | $675.95 | $767.20 | $863.86 | $1,207.25 | $1,834.53 |
| Chowan County | $675.95 | $767.20 | $863.86 | $1,207.25 | $1,834.53 |
| Currituck County | $675.95 | $767.20 | $863.86 | $1,207.25 | $1,834.53 |
| Gates County | $675.95 | $767.20 | $863.86 | $1,207.25 | $1,834.53 |
| Halifax County | $675.95 | $767.20 | $863.86 | $1,207.25 | $1,834.53 |
| Hertford County | $675.95 | $767.20 | $863.86 | $1,207.25 | $1,834.53 |
| Martin County | $675.95 | $767.20 | $863.86 | $1,207.25 | $1,834.53 |
| Northampton County | $675.95 | $767.20 | $863.86 | $1,207.25 | $1,834.53 |
| Pasquotank County | $675.95 | $767.20 | $863.86 | $1,207.25 | $1,834.53 |
| Perquimans County | $675.95 | $767.20 | $863.86 | $1,207.25 | $1,834.53 |
| Montgomery County | $700.53 | $795.10 | $895.28 | $1,251.15 | $1,901.24 |
| Moore County | $700.53 | $795.10 | $895.28 | $1,251.15 | $1,901.24 |
| Bladen County | $712.82 | $809.05 | $910.98 | $1,273.10 | $1,934.59 |
| Cumberland County | $712.82 | $809.05 | $910.98 | $1,273.10 | $1,934.59 |
| Harnett County | $712.82 | $809.05 | $910.98 | $1,273.10 | $1,934.59 |
| Hoke County | $712.82 | $809.05 | $910.98 | $1,273.10 | $1,934.59 |
| Richmond County | $712.82 | $809.05 | $910.98 | $1,273.10 | $1,934.59 |
| Robeson County | $712.82 | $809.05 | $910.98 | $1,273.10 | $1,934.59 |
| Sampson County | $712.82 | $809.05 | $910.98 | $1,273.10 | $1,934.59 |
| Scotland County | $712.82 | $809.05 | $910.98 | $1,273.10 | $1,934.59 |
| Beaufort County | $734.32 | $833.45 | $938.46 | $1,311.50 | $1,992.94 |
| Carteret County | $734.32 | $833.45 | $938.46 | $1,311.50 | $1,992.94 |
| Craven County | $734.32 | $833.45 | $938.46 | $1,311.50 | $1,992.94 |
| Dare County | $734.32 | $833.45 | $938.46 | $1,311.50 | $1,992.94 |
| Hyde County | $734.32 | $833.45 | $938.46 | $1,311.50 | $1,992.94 |
| Jones County | $734.32 | $833.45 | $938.46 | $1,311.50 | $1,992.94 |
| Lenoir County | $734.32 | $833.45 | $938.46 | $1,311.50 | $1,992.94 |
| Pamlico County | $734.32 | $833.45 | $938.46 | $1,311.50 | $1,992.94 |
| Tyrrell County | $734.32 | $833.45 | $938.46 | $1,311.50 | $1,992.94 |
| Washington County | $734.32 | $833.45 | $938.46 | $1,311.50 | $1,992.94 |
| Brunswick County | $779.49 | $884.72 | $996.19 | $1,392.17 | $2,115.54 |
| Columbus County | $779.49 | $884.72 | $996.19 | $1,392.17 | $2,115.54 |
| Duplin County | $779.49 | $884.72 | $996.19 | $1,392.17 | $2,115.54 |
| New Hanover County | $779.49 | $884.72 | $996.19 | $1,392.17 | $2,115.54 |
| Onslow County | $779.49 | $884.72 | $996.19 | $1,392.17 | $2,115.54 |
| Pender County | $779.49 | $884.72 | $996.19 | $1,392.17 | $2,115.54 |
| Edgecombe County | $835.72 | $948.54 | $1,068.05 | $1,492.60 | $2,268.14 |
| Greene County | $835.72 | $948.54 | $1,068.05 | $1,492.60 | $2,268.14 |
| Nash County | $835.72 | $948.54 | $1,068.05 | $1,492.60 | $2,268.14 |
| Pitt County | $835.72 | $948.54 | $1,068.05 | $1,492.60 | $2,268.14 |
| Wayne County | $835.72 | $948.54 | $1,068.05 | $1,492.60 | $2,268.14 |
| Wilson County | $835.72 | $948.54 | $1,068.05 | $1,492.60 | $2,268.14 |
| Avery County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Buncombe County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Cherokee County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Clay County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Graham County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Haywood County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Henderson County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Jackson County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Macon County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Madison County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| McDowell County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Mitchell County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Polk County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Rutherford County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Swain County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Transylvania County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
| Yancey County | $872.58 | $990.38 | $1,115.16 | $1,558.43 | $2,368.18 |
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.