Planes del Mercado de Seguros Médicos de la ACA en el condado de Richmond, North Carolina (2026)
El condado de Richmond, North Carolina, tiene 56 planes del Mercado de Seguros Médicos de la ACA de 4 aseguradoras en 2026, con primas mensuales para una persona de 40 años de $505 a $1,098 y un plan de referencia (el segundo plan Plata de menor costo) de $649 al mes. Planes de 2027 para el condado de Richmond ya están disponibles: para compararlos e inscribirse, sin costo para usted, llame a United Enrollment Services al 1-866-569-7273.
Actualizado el 23 de julio de 2026 · Responsable editorial: Jason Burns, Responsable editorial
Agente con licencia responsable: Heather Fabrizio, con licencia en North Carolina (Licencia n.º 20983651)
Tabla de planes
| Aseguradora | Plan | Nivel de metal | 21 años | 40 años | 60 años | Deducible | Máximo de gastos de bolsillo |
|---|---|---|---|---|---|---|---|
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals | Bronce | $414.94 | $530.29 | $1,126.14 | $10,600 | $10,600 |
| Ambetter of North Carolina | Everyday Bronze | Bronce ampliado | $395.05 | $504.86 | $1,072.13 | $8,450 | $10,150 |
| Ambetter of North Carolina | Standard Expanded Bronze | Bronce ampliado | $396.58 | $506.81 | $1,076.28 | $7,500 | $10,000 |
| Ambetter of North Carolina | Everyday Bronze + Vision + Adult Dental | Bronce ampliado | $408.34 | $521.84 | $1,108.20 | $8,450 | $10,150 |
| Ambetter of North Carolina | Standard Expanded Bronze + Vision + Adult Dental | Bronce ampliado | $409.92 | $523.87 | $1,112.50 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Bronce ampliado | $438.28 | $560.12 | $1,189.50 | $7,500 | $10,000 |
| Ambetter of North Carolina | Elite Bronze | Bronce ampliado | $448.86 | $573.63 | $1,218.19 | $0 | $10,500 |
| UnitedHealthcare | UHC Bronze Standard+ Dental + Vision (No Referrals) | Bronce ampliado | $454.64 | $581.03 | $1,233.90 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Bronce ampliado | $455.72 | $582.41 | $1,236.83 | $0 | $10,600 |
| Ambetter of North Carolina | Elite Bronze + Vision + Adult Dental | Bronce ampliado | $463.96 | $592.93 | $1,259.17 | $0 | $10,500 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors | Bronce ampliado | $492.89 | $629.91 | $1,337.70 | $7,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors | Bronce ampliado | $508.07 | $649.31 | $1,378.90 | $7,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Standard | Statewide Doctors | Bronce ampliado | $513.94 | $656.82 | $1,394.83 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors | Bronce ampliado | $519.88 | $664.41 | $1,410.95 | $4,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Standard | Nationwide Doctors | Bronce ampliado | $528.34 | $675.22 | $1,433.91 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of NC | Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors | Bronce ampliado | $532.91 | $681.06 | $1,446.32 | $8,500 | $8,500 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors | Bronce ampliado | $535.77 | $684.71 | $1,454.08 | $4,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors | Bronce ampliado | $549.24 | $701.93 | $1,490.64 | $8,500 | $8,500 |
| Cigna Healthcare | Connect Bronze 5500 Indiv Med Deductible | Bronce ampliado | $571.69 | $730.62 | $1,551.57 | $5,500 | $10,250 |
| Cigna Healthcare | Connect Bronze CMS Standard | Bronce ampliado | $572.20 | $731.27 | $1,552.95 | $7,500 | $10,000 |
| Cigna Healthcare | Connect Bronze 6500 Indiv Med Deductible | Bronce ampliado | $574.90 | $734.72 | $1,560.28 | $6,500 | $9,900 |
| Cigna Healthcare | Connect myDiabetesCare Bronze | Bronce ampliado | $579.71 | $740.87 | $1,573.33 | $6,000 | $9,900 |
| Ambetter of North Carolina | Standard Gold | Oro | $525.03 | $670.98 | $1,424.91 | $2,000 | $8,200 |
| Ambetter of North Carolina | Standard Gold + Vision + Adult Dental | Oro | $542.70 | $693.56 | $1,472.86 | $2,000 | $8,200 |
| Ambetter of North Carolina | Complete Gold | Oro | $548.88 | $701.46 | $1,489.64 | $1,450 | $7,500 |
| Ambetter of North Carolina | Complete Gold + Vision + Adult Dental | Oro | $567.35 | $725.06 | $1,539.77 | $1,450 | $7,500 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Oro | $670.70 | $857.16 | $1,820.28 | $0 | $10,600 |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Oro | $674.09 | $861.49 | $1,829.49 | $2,000 | $8,200 |
| Blue Cross and Blue Shield of NC | Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors | Oro | $677.85 | $866.29 | $1,839.68 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Gold Standard A | Statewide Doctors | Oro | $686.34 | $877.14 | $1,862.73 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) | Oro | $690.16 | $882.02 | $1,873.09 | $750 | $9,200 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors | Oro | $698.67 | $892.90 | $1,896.19 | $1,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Gold Standard A | Nationwide Doctors | Oro | $705.63 | $901.80 | $1,915.08 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Advantage + ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) | Oro | $706.52 | $902.93 | $1,917.49 | $750 | $9,200 |
| Cigna Healthcare | Connect Gold CMS Standard | Oro | $858.08 | $1,096.63 | $2,328.83 | $2,000 | $8,200 |
| Cigna Healthcare | Connect Gold 1500 Indiv Med Deductible | Oro | $859.52 | $1,098.47 | $2,332.74 | $1,500 | $9,950 |
| Ambetter of North Carolina | Clear Silver with $0 Insulin Options | Plata | $507.72 | $648.86 | $1,377.93 | $7,000 | $7,000 |
| Ambetter of North Carolina | Standard Silver | Plata | $507.88 | $649.06 | $1,378.37 | $6,000 | $8,900 |
| Ambetter of North Carolina | Enhanced Asthma/COPD Care Silver with $0 Drug Options | Plata | $521.15 | $666.01 | $1,414.37 | $5,900 | $8,150 |
| Ambetter of North Carolina | Standard Silver + Vision + Adult Dental | Plata | $524.97 | $670.90 | $1,424.74 | $6,000 | $8,900 |
| Ambetter of North Carolina | Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental | Plata | $538.68 | $688.42 | $1,461.96 | $5,900 | $8,150 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, No Referrals) | Plata | $604.77 | $772.89 | $1,641.33 | $3,550 | $10,000 |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Plata | $605.90 | $774.33 | $1,644.40 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Plata | $613.13 | $783.58 | $1,664.03 | $2,500 | $10,150 |
| UnitedHealthcare | UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Plata | $621.12 | $793.80 | $1,685.73 | $3,550 | $10,000 |
| UnitedHealthcare | UHC Silver Advantage + ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | Plata | $629.49 | $804.49 | $1,708.43 | $2,500 | $10,150 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors | Plata | $645.94 | $825.51 | $1,753.08 | $2,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Standard | Statewide Doctors | Plata | $654.65 | $836.64 | $1,776.72 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Nationwide Doctors | Plata | $665.79 | $850.88 | $1,806.95 | $2,800 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Care Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Statewide Doctors | Plata | $667.75 | $853.38 | $1,812.27 | $3,000 | $10,600 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Standard | Nationwide Doctors | Plata | $672.99 | $860.08 | $1,826.49 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of NC | Blue Advantage Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Nationwide Doctors | Plata | $688.25 | $879.58 | $1,867.91 | $3,000 | $10,600 |
| Cigna Healthcare | Connect Silver 5000 Indiv Med Deductible | Plata | $711.46 | $909.25 | $1,930.90 | $5,000 | $8,850 |
| Cigna Healthcare | Connect Silver 3600 Indiv Med Deductible | Plata | $712.82 | $910.98 | $1,934.59 | $3,600 | $9,150 |
| Cigna Healthcare | Connect Silver CMS Standard | Plata | $713.07 | $911.30 | $1,935.27 | $6,000 | $8,900 |
| Cigna Healthcare | Connect myDiabetesCare Silver | Plata | $721.18 | $921.67 | $1,957.28 | $4,300 | $9,200 |
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.