North Carolina Residents Will Pay $5,880/Year on Average for Health Insurance in 2020

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The average monthly cost of health insurance in the marketplace is $490/month ($5,880/year) which represents a 15% decrease from 2018, according to the 2020 Health Insurance report from ValuePenguin.com by LendingTree. However, the largest rate decrease occurred for Bronze plans, which dipped in price by an average of 12.19% from 2018 to 2020.

Here’s a graph showing how much your readers can expect to pay for health insurance by metal tier:

They also compared North Carolina health insurance policies by metal tier to determine the cheapest options available throughout the state (many won’t be available in all counties);

Metal tier Cheapest plan Deductible Out-of-pocket maximum Monthly cost for 40-year-old
Catastrophic Catastrophic 2 $8,150 $8,150 $196
Bronze Blue Local Bronze 8150 (local network with Wake Forest Baptist Health) $8,150 $8,150 $293
Expanded Bronze Blue Local Bronze 6900 (local network with Wake Forest Baptist Health, HSA eligible) $6,900 $6,900 $306
Silver Silver 4 $4,700 $8,150 $405
Gold Blue Value Gold 3000 (limited network) $3,000 $8,150 $453

 

Here are the cheapest Silver health insurance plans available on the state exchange in each county;

County Cheapest Silver plan Single adult, age 40 Couple, age 40 Couple, age 40, plus Child
Alamance Blue Home Silver 7500 (local network with UNC Health Alliance) $437 $874 $1,136
Alexander Blue Value Silver 7500 (limited network) $579 $1,158 $1,504
Alleghany Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Anson Blue Value Silver 7500 (limited network) $428 $855 $1,111
Ashe Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Avery Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Beaufort Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Bertie Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Bladen Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Brunswick Blue Value Silver 7500 (limited network) $585 $1,169 $1,519
Buncombe Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Burke Blue Value Silver 7500 (limited network) $579 $1,158 $1,504
Cabarrus Silver 4 $405 $811 $1,054
Caldwell Blue Value Silver 7500 (limited network) $579 $1,158 $1,504
Camden Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Carteret Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Caswell Blue Home Silver 7500 (local network with UNC Health Alliance) $437 $874 $1,136
Catawba Blue Value Silver 7500 (limited network) $579 $1,158 $1,504
Chatham Blue Home Silver 7500 (local network with UNC Health Alliance) $437 $874 $1,136
Cherokee Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Chowan Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Clay Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Cleveland Blue Value Silver 7500 (limited network) $470 $940 $1,222
Columbus Blue Value Silver 7500 (limited network) $585 $1,169 $1,519
Craven Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Cumberland Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Currituck Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Dare Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Davidson Blue Local Silver 7500 (local network with Wake Forest Baptist Health) $463 $926 $1,203
Davie Blue Local Silver 7500 (local network with Wake Forest Baptist Health) $463 $926 $1,203
Duplin Blue Value Silver 7500 (limited network) $585 $1,169 $1,519
Durham Blue Home Silver 7500 (local network with UNC Health Alliance) $437 $874 $1,136
Edgecombe Blue Advantage Silver 7500 (broad network) $655 $1,309 $1,701
Forsyth Blue Local Silver 7500 (local network with Wake Forest Baptist Health) $463 $926 $1,203
Franklin Ambetter Balanced Care 12 (2020) $410 $820 $1,066
Gaston Silver 4 $405 $811 $1,054
Gates Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Graham Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Granville Ambetter Balanced Care 12 (2020) $482 $965 $1,253
Greene Blue Advantage Silver 7500 (broad network) $655 $1,309 $1,701
Guilford Blue Local Silver 7500 (local network with Wake Forest Baptist Health) $440 $879 $1,143
Halifax Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Harnett Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Haywood Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Henderson Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Hertford Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Hoke Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Hyde Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Iredell Blue Value Silver 7500 (limited network) $579 $1,158 $1,504
Jackson Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Johnston Blue Home Silver 7500 (local network with UNC Health Alliance) $437 $874 $1,136
Jones Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Lee Blue Home Silver 7500 (local network with UNC Health Alliance) $437 $874 $1,136
Lenoir Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Lincoln Blue Value Silver 7500 (limited network) $470 $940 $1,222
Macon Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Madison Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Martin Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Mcdowell Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Mecklenburg Silver 4 $405 $811 $1,054
Mitchell Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Montgomery Blue Advantage Silver 7500 (broad network) $701 $1,403 $1,822
Moore Blue Advantage Silver 7500 (broad network) $701 $1,403 $1,822
Nash Cigna Connect 4500 $522 $1,044 $1,356
New Hanover Blue Value Silver 7500 (limited network) $585 $1,169 $1,519
Northampton Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Onslow Blue Value Silver 7500 (limited network) $585 $1,169 $1,519
Orange Blue Home Silver 7500 (local network with UNC Health Alliance) $437 $874 $1,136
Pamlico Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Pasquotank Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Pender Blue Value Silver 7500 (limited network) $585 $1,169 $1,519
Perquimans Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Person Blue Home Silver 7500 (local network with UNC Health Alliance) $437 $874 $1,136
Pitt Blue Advantage Silver 7500 (broad network) $655 $1,309 $1,701
Polk Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Randolph Blue Local Silver 7500 (local network with Wake Forest Baptist Health) $440 $879 $1,143
Richmond Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Robeson Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Rockingham Ambetter Balanced Care 12 (2020) $580 $1,160 $1,507
Rowan Silver 4 $405 $811 $1,054
Rutherford Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Sampson Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Scotland Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Stanly Blue Value Silver 7500 (limited network) $428 $855 $1,111
Stokes Blue Local Silver 7500 (local network with Wake Forest Baptist Health) $463 $926 $1,203
Surry Blue Value Silver 7500 (limited network) $567 $1,135 $1,475
Swain Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Transylvania Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718
Tyrrell Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Union Silver 4 $405 $811 $1,054
Vance Ambetter Balanced Care 12 (2020) $482 $965 $1,253
Wake Ambetter Balanced Care 12 (2020) $410 $820 $1,066
Warren Ambetter Balanced Care 12 (2020) $482 $965 $1,253
Washington Blue Advantage Silver 7500 (broad network) $675 $1,349 $1,753
Watauga Blue Advantage Silver 7500 (broad network) $668 $1,336 $1,736
Wayne Blue Advantage Silver 7500 (broad network) $655 $1,309 $1,701
Wilkes Blue Local Silver 7500 (local network with Wake Forest Baptist Health) $468 $936 $1,216
Wilson Blue Advantage Silver 7500 (broad network) $655 $1,309 $1,701
Yadkin Blue Local Silver 7500 (local network with Wake Forest Baptist Health) $463 $926 $1,203
Yancey Blue Advantage Silver 7500 (broad network) $661 $1,323 $1,718

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