Complete Gold
Gold · HMO · Ambetter of North Carolina · North Carolina
At age 40 it costs between $643.87 and $819.27 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 77264NC0010007 |
|---|---|
| Insurer | Ambetter of North Carolina |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $1,450 |
| Deductible (family) | $2,900 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $7,500 |
| Family maximum | $15,000 |
| Primary care visit | $15 |
| Specialist visit | $35 |
| Emergency room | 20% Coinsurance after deductible |
| Inpatient stay | 20% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $30 |
| Specialty drugs | 30% 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 | 1-833-863-1310 · TTY 1-833-863-1310 |
Where it is sold, and what it costs there
47 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 |
|---|---|---|---|---|---|
| Alexander County | $503.82 | $571.83 | $643.87 | $899.81 | $1,367.35 |
| Burke County | $503.82 | $571.83 | $643.87 | $899.81 | $1,367.35 |
| Caldwell County | $503.82 | $571.83 | $643.87 | $899.81 | $1,367.35 |
| Catawba County | $503.82 | $571.83 | $643.87 | $899.81 | $1,367.35 |
| Iredell County | $503.82 | $571.83 | $643.87 | $899.81 | $1,367.35 |
| Franklin County | $529.88 | $601.40 | $677.17 | $946.34 | $1,438.05 |
| Johnston County | $529.88 | $601.40 | $677.17 | $946.34 | $1,438.05 |
| Wake County | $529.88 | $601.40 | $677.17 | $946.34 | $1,438.05 |
| Caswell County | $531.89 | $603.68 | $679.74 | $949.93 | $1,443.52 |
| Durham County | $531.89 | $603.68 | $679.74 | $949.93 | $1,443.52 |
| Lee County | $531.89 | $603.68 | $679.74 | $949.93 | $1,443.52 |
| Orange County | $531.89 | $603.68 | $679.74 | $949.93 | $1,443.52 |
| Person County | $531.89 | $603.68 | $679.74 | $949.93 | $1,443.52 |
| Granville County | $541.89 | $615.04 | $692.53 | $967.81 | $1,470.68 |
| Vance County | $541.89 | $615.04 | $692.53 | $967.81 | $1,470.68 |
| Warren County | $541.89 | $615.04 | $692.53 | $967.81 | $1,470.68 |
| Bladen County | $548.88 | $622.97 | $701.46 | $980.29 | $1,489.64 |
| Cumberland County | $548.88 | $622.97 | $701.46 | $980.29 | $1,489.64 |
| Harnett County | $548.88 | $622.97 | $701.46 | $980.29 | $1,489.64 |
| Hoke County | $548.88 | $622.97 | $701.46 | $980.29 | $1,489.64 |
| Richmond County | $548.88 | $622.97 | $701.46 | $980.29 | $1,489.64 |
| Robeson County | $548.88 | $622.97 | $701.46 | $980.29 | $1,489.64 |
| Sampson County | $548.88 | $622.97 | $701.46 | $980.29 | $1,489.64 |
| Scotland County | $548.88 | $622.97 | $701.46 | $980.29 | $1,489.64 |
| Alleghany County | $572.92 | $650.26 | $732.18 | $1,023.22 | $1,554.89 |
| Wilkes County | $572.92 | $650.26 | $732.18 | $1,023.22 | $1,554.89 |
| Brunswick County | $579.97 | $658.25 | $741.18 | $1,035.80 | $1,574 |
| Columbus County | $579.97 | $658.25 | $741.18 | $1,035.80 | $1,574 |
| New Hanover County | $579.97 | $658.25 | $741.18 | $1,035.80 | $1,574 |
| Pender County | $579.97 | $658.25 | $741.18 | $1,035.80 | $1,574 |
| Avery County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Buncombe County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Clay County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Graham County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Haywood County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Jackson County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Macon County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Madison County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| McDowell County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Mitchell County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Polk County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Rutherford County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Swain County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Transylvania County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Yancey County | $594 | $674.18 | $759.12 | $1,060.86 | $1,612.08 |
| Montgomery County | $641.07 | $727.60 | $819.27 | $1,144.93 | $1,739.83 |
| Moore County | $641.07 | $727.60 | $819.27 | $1,144.93 | $1,739.83 |
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.