Planes del Mercado de Seguros Médicos de la ACA en el condado de Durham, North Carolina (2026)
El condado de Durham, North Carolina, tiene 31 planes del Mercado de Seguros Médicos de la ACA de 3 aseguradoras en 2026, con primas mensuales para una persona de 40 años de $460 a $1,199 y un plan de referencia (el segundo plan Plata de menor costo) de $610 al mes. Planes de 2027 para el condado de Durham ya están disponibles: para compararlos e inscribirse, sin costo para usted, llame a United Enrollment Services al 1-866-569-7273.
Tabla de planes
| Aseguradora | Plan | Nivel de metal | 21 años | 40 años | 60 años | Deducible | Máximo de gastos de bolsillo |
|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of NC | Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance | Bronce ampliado | $359.88 | $459.93 | $976.71 | $7,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze Standard | with UNC Health Alliance | Bronce ampliado | $374.38 | $478.46 | $1,016.07 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance | Bronce ampliado | $379.41 | $484.89 | $1,029.72 | $4,000 | $10,600 |
| Ambetter of North Carolina | Everyday Bronze | Bronce ampliado | $382.81 | $489.22 | $1,038.93 | $8,450 | $10,150 |
| Ambetter of North Carolina | Standard Expanded Bronze | Bronce ampliado | $384.30 | $491.12 | $1,042.96 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance | Bronce ampliado | $389.21 | $497.41 | $1,056.32 | $8,500 | $8,500 |
| Ambetter of North Carolina | Everyday Bronze + Vision + Adult Dental | Bronce ampliado | $395.69 | $505.68 | $1,073.88 | $8,450 | $10,150 |
| Ambetter of North Carolina | Standard Expanded Bronze + Vision + Adult Dental | Bronce ampliado | $397.23 | $507.64 | $1,078.05 | $7,500 | $10,000 |
| Ambetter of North Carolina | Elite Bronze | Bronce ampliado | $434.96 | $555.87 | $1,180.46 | $0 | $10,500 |
| Ambetter of North Carolina | Elite Bronze + Vision + Adult Dental | Bronce ampliado | $449.60 | $574.57 | $1,220.18 | $0 | $10,500 |
| Cigna Healthcare | Connect Bronze RD 6000 Indiv Med Deductible | Bronce ampliado | $624.47 | $798.07 | $1,694.81 | $6,000 | $10,300 |
| Cigna Healthcare | Connect Bronze RD CMS Standard | Bronce ampliado | $625.67 | $799.61 | $1,698.07 | $7,500 | $10,000 |
| Cigna Healthcare | Connect Bronze RD 5000 Indiv Med Deductible | Bronce ampliado | $636.47 | $813.41 | $1,727.38 | $5,000 | $9,700 |
| Blue Cross and Blue Shield of NC | Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance | Oro | $495.01 | $632.62 | $1,343.46 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Home Gold Standard A | with UNC Health Alliance | Oro | $500.04 | $639.05 | $1,357.11 | $2,000 | $8,200 |
| Ambetter of North Carolina | Standard Gold | Oro | $508.77 | $650.20 | $1,380.79 | $2,000 | $8,200 |
| Ambetter of North Carolina | Standard Gold + Vision + Adult Dental | Oro | $525.89 | $672.08 | $1,427.25 | $2,000 | $8,200 |
| Ambetter of North Carolina | Complete Gold | Oro | $531.89 | $679.74 | $1,443.52 | $1,450 | $7,500 |
| Ambetter of North Carolina | Complete Gold + Vision + Adult Dental | Oro | $549.78 | $702.61 | $1,492.08 | $1,450 | $7,500 |
| Cigna Healthcare | Connect Gold RD CMS Standard | Oro | $938.27 | $1,199.11 | $2,546.46 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance | Plata | $471.75 | $602.90 | $1,280.33 | $2,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Standard | with UNC Health Alliance | Plata | $476.96 | $609.55 | $1,294.47 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of NC | Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance | Plata | $487.62 | $623.18 | $1,323.40 | $3,000 | $10,600 |
| Ambetter of North Carolina | Clear Silver with $0 Insulin Options | Plata | $492.00 | $628.76 | $1,335.26 | $7,000 | $7,000 |
| Ambetter of North Carolina | Standard Silver | Plata | $492.16 | $628.96 | $1,335.68 | $6,000 | $8,900 |
| Ambetter of North Carolina | Enhanced Asthma/COPD Care Silver with $0 Drug Options | Plata | $505.01 | $645.39 | $1,370.57 | $5,900 | $8,150 |
| Ambetter of North Carolina | Standard Silver + Vision + Adult Dental | Plata | $508.71 | $650.12 | $1,380.62 | $6,000 | $8,900 |
| Ambetter of North Carolina | Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental | Plata | $522.00 | $667.11 | $1,416.68 | $5,900 | $8,150 |
| Cigna Healthcare | Connect Silver RD 5000 Indiv Med Deductible | Plata | $775.73 | $991.38 | $2,105.33 | $5,000 | $9,250 |
| Cigna Healthcare | Connect Silver RD CMS Standard | Plata | $779.70 | $996.46 | $2,116.11 | $6,000 | $8,900 |
| Cigna Healthcare | Connect Silver RD 3500 Indiv Med Deductible | Plata | $781.92 | $999.29 | $2,122.13 | $3,500 | $9,000 |
Reducciones de costos compartidos (CSR)
Los planes Plata de este condado tienen los costos compartidos estándar que se muestran arriba. Si los ingresos de su hogar están entre el 100% y el 250% del nivel federal de pobreza, HealthCare.gov aplica automáticamente variantes de los planes Plata con reducciones de costos compartidos (CSR) que bajan los deducibles, los copagos y el máximo anual de gastos de bolsillo; el nombre del plan no cambia, pero sí las cifras de su Resumen de Beneficios.
Contexto de los subsidios para 2026
Los créditos tributarios ampliados para la prima de la American Rescue Plan Act y la Inflation Reduction Act vencieron el 31 de diciembre de 2025, por lo que en el año del plan 2026 vuelve la estructura de subsidios de la ACA anterior a 2021: los hogares con ingresos superiores al 400% del nivel federal de pobreza no reciben crédito tributario para la prima, y los hogares de menores ingresos pagan una parte mayor de la prima del plan de referencia (consulte el informe del Congressional Research Service R48290 y el seguimiento de primas 2026 de KFF). Estas cifras describen las reglas; nada en esta página es una recomendación.
Fuentes
- PY2026 QHP Landscape, Individual Market Medical — archivo de uso público de CMS, publicado en mayo de 2026. Todas las cifras de planes, primas, deducibles y gastos de bolsillo de esta página provienen de este archivo.
- HealthCare.gov — Mercado de Seguros Médicos federal oficial donde se venden estos planes.