North Carolina · Insurer
AmeriHealth Next Marketplace Plans in North Carolina
AmeriHealth Caritas Next is the Marketplace brand of AmeriHealth Caritas North Carolina, with about 12,000 individual members and HMOs in 41 counties. Every 2026 plan name ends in + No Referrals, and the carrier is recruiting providers in five Sandhills counties for 2027.
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
Compare plans for my ZIP codeFree. See your price after tax credits.
What makes AmeriHealth Next different
About 12,075 projected members and a filed 9.3% Initial average, among the lower requests on the NC DOI table.
All eight 2026 on-exchange plans end in + No Referrals. Carrier materials say specialists do not need a primary care referral.
AmeriHealth positions Next for people leaving Medicaid, alongside separate Medicaid and DSNP cards under the same parent.
Provider recruiting lists Bladen, Cumberland, Harnett, Hoke and Scotland as 2027 adds. Confirm those counties on HealthCare.gov when binders open.
Is AmeriHealth Next a good fit?
A good fit if
- You live in AmeriHealth's mountain, Triad or northern Piedmont counties and want a no-referral HMO
- You are leaving NC Medicaid and want a Marketplace brand tied to AmeriHealth Caritas
- You want one of the lower filed 2027 average increases among NC Marketplace insurers
Think twice if
- Overall CMS quality is 2 of 5 stars for 2026 (Medical Care 2). Compare clinical scores with other carriers.
- Named hospital partners are not published as a clean list. Use Find a Provider, especially in expansion counties.
- HMO: out-of-network care is generally emergencies only.
Good starting points
From its 8 2026 plans statewide, lowest price in any North Carolina rating area.2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.
See my price after tax creditsCompare every insurer in your county and check your doctors.
AmeriHealth Next plans and prices
All 2026 AmeriHealth Next plans in North Carolina
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| AmeriHealth Caritas Next Bronze Essential + No Referrals | MetalBronze | TypeHMO | Premium (age 40)$450 | Deductible$10,600 | OOP max$10,600 | Primary care$25 | Specialist$0 after deductible | Generic Rx$25 | HSANo | Counties41 |
| AmeriHealth Caritas Next Bronze Signature + No Referrals | MetalBronze | TypeHMO | Premium (age 40)$456 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties41 |
| AmeriHealth Caritas Next Bronze Premier + No Referrals | MetalBronze | TypeHMO | Premium (age 40)$465 | Deductible$3,850 | OOP max$10,600 | Primary care$40 | Specialist$100 | Generic Rx$25 | HSANo | Counties41 |
| AmeriHealth Caritas Next Silver Essential + No Referrals | MetalSilver | TypeHMO | Premium (age 40)$591 | Deductible$6,100 | OOP max$9,000 | Primary care$25 | Specialist$70 | Generic Rx$25 | HSANo | Counties41 |
| AmeriHealth Caritas Next Silver Signature + No Referrals | MetalSilver | TypeHMO | Premium (age 40)$596 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties41 |
| AmeriHealth Caritas Next Silver Premier + No Referrals | MetalSilver | TypeHMO | Premium (age 40)$608 | Deductible$400 | OOP max$10,200 | Primary care$50 | Specialist$110 | Generic Rx$25 | HSANo | Counties41 |
| AmeriHealth Caritas Next Gold Signature + No Referrals | MetalGold | TypeHMO | Premium (age 40)$610 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties41 |
| AmeriHealth Caritas Next Gold Premier + No Referrals | MetalGold | TypeHMO | Premium (age 40)$634 | Deductible$850 | OOP max$8,500 | Primary care$15 | Specialist$35 | Generic Rx$15 | HSANo | Counties41 |
Other North Carolina Marketplace insurers
Sources
- NC DOI, 2027 Plan Year ACA Rate Filings (Initial), July 28, 2026
- AmeriHealth Caritas Next NC, providers join / expansion counties, accessed October 7, 2026
- CMS Nationwide QRS PUF PY2026, October 2025
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← North Carolina Marketplace guide and all insurers
Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.
Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.