Clear Silver with $0 Insulin Options
Silver · HMO · Ambetter of North Carolina · North Carolina
At age 40 it costs between $595.59 and $757.83 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 | $7,000 | $7,000 | $50 | No Charge after Deductible |
| up to 150% of the federal poverty level | $850 | $850 | $5 | No Charge after Deductible |
| 150% to 200% | $2,100 | $2,100 | $25 | No Charge after Deductible |
| 200% to 250% | $5,800 | $5,800 | $45 | No Charge after Deductible |
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 | 77264NC0010037 |
|---|---|
| Insurer | Ambetter of North Carolina |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $7,000 |
| Deductible (family) | $14,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $7,000 |
| Family maximum | $14,000 |
| Primary care visit | $50 |
| Specialist visit | $100 |
| Emergency room | No Charge after Deductible |
| Inpatient stay | No Charge after Deductible |
| Generic drugs | No Charge after Deductible |
| Preferred brand drugs | No Charge after Deductible |
| Specialty drugs | No Charge 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 | $466.04 | $528.95 | $595.59 | $832.33 | $1,264.81 |
| Burke County | $466.04 | $528.95 | $595.59 | $832.33 | $1,264.81 |
| Caldwell County | $466.04 | $528.95 | $595.59 | $832.33 | $1,264.81 |
| Catawba County | $466.04 | $528.95 | $595.59 | $832.33 | $1,264.81 |
| Iredell County | $466.04 | $528.95 | $595.59 | $832.33 | $1,264.81 |
| Franklin County | $490.14 | $556.30 | $626.39 | $875.37 | $1,330.21 |
| Johnston County | $490.14 | $556.30 | $626.39 | $875.37 | $1,330.21 |
| Wake County | $490.14 | $556.30 | $626.39 | $875.37 | $1,330.21 |
| Caswell County | $492 | $558.41 | $628.76 | $878.70 | $1,335.26 |
| Durham County | $492 | $558.41 | $628.76 | $878.70 | $1,335.26 |
| Lee County | $492 | $558.41 | $628.76 | $878.70 | $1,335.26 |
| Orange County | $492 | $558.41 | $628.76 | $878.70 | $1,335.26 |
| Person County | $492 | $558.41 | $628.76 | $878.70 | $1,335.26 |
| Granville County | $501.26 | $568.92 | $640.59 | $895.23 | $1,360.39 |
| Vance County | $501.26 | $568.92 | $640.59 | $895.23 | $1,360.39 |
| Warren County | $501.26 | $568.92 | $640.59 | $895.23 | $1,360.39 |
| Bladen County | $507.72 | $576.25 | $648.86 | $906.78 | $1,377.93 |
| Cumberland County | $507.72 | $576.25 | $648.86 | $906.78 | $1,377.93 |
| Harnett County | $507.72 | $576.25 | $648.86 | $906.78 | $1,377.93 |
| Hoke County | $507.72 | $576.25 | $648.86 | $906.78 | $1,377.93 |
| Richmond County | $507.72 | $576.25 | $648.86 | $906.78 | $1,377.93 |
| Robeson County | $507.72 | $576.25 | $648.86 | $906.78 | $1,377.93 |
| Sampson County | $507.72 | $576.25 | $648.86 | $906.78 | $1,377.93 |
| Scotland County | $507.72 | $576.25 | $648.86 | $906.78 | $1,377.93 |
| Alleghany County | $529.96 | $601.49 | $677.28 | $946.49 | $1,438.28 |
| Wilkes County | $529.96 | $601.49 | $677.28 | $946.49 | $1,438.28 |
| Brunswick County | $536.47 | $608.89 | $685.60 | $958.12 | $1,455.96 |
| Columbus County | $536.47 | $608.89 | $685.60 | $958.12 | $1,455.96 |
| New Hanover County | $536.47 | $608.89 | $685.60 | $958.12 | $1,455.96 |
| Pender County | $536.47 | $608.89 | $685.60 | $958.12 | $1,455.96 |
| Avery County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Buncombe County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Clay County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Graham County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Haywood County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Jackson County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Macon County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Madison County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| McDowell County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Mitchell County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Polk County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Rutherford County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Swain County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Transylvania County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Yancey County | $549.45 | $623.62 | $702.19 | $981.30 | $1,491.19 |
| Montgomery County | $592.99 | $673.04 | $757.83 | $1,059.07 | $1,609.36 |
| Moore County | $592.99 | $673.04 | $757.83 | $1,059.07 | $1,609.36 |
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.