North Carolina · Insurer

Oscar Marketplace Plans in North Carolina

Updated October 7, 2026

Oscar sells Marketplace HMOs in 23 North Carolina counties, with about 28,000 individual members and a strong Atrium Health co-brand. Many plans are labeled with Atrium Health, and condition-focused designs include diabetes, COPD, chronic kidney/metabolic care and HelloMeno menopause benefits.

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.

23 of 100North Carolina counties (2026)

HMOPlan type

Not yet ratedCMS quality rating (2026)

+16.5%Proposed 2027 change

What makes Oscar different

Many Oscar NC plans say with Atrium Health. Atrium lists Oscar among 2026 Marketplace options that include Atrium doctors and hospitals.
Silver Simple Diabetes, Breathe Easy for COPD, Chronic Care CKM, and HelloMeno menopause benefits with Atrium menopause clinicians sit alongside Classic and PCP Saver plans.
Oscar covers 23 counties centered on Charlotte, the Triad and the Asheville / Henderson corridor rather than the whole state.
Oscar's Initial average sits below Blue Cross NC and well below UnitedHealthcare of NC on the same NC DOI table.

Charlotte skyline at dusk with the Bank of America tower and city lights reflecting on the water

Is Oscar a good fit?

A good fit if

You already use Atrium Health in Charlotte, the Triad or nearby counties and want a co-branded Marketplace HMO
You want condition-specific designs such as diabetes, COPD, chronic care or HelloMeno menopause benefits
You live in Oscar's 23-county service area and prefer a compact metro-focused network

Think twice if

Oscar is sold in 23 of 100 counties only. Haywood, Jackson and Macon were dropped for 2026.
Novant, Duke and WakeMed are not confirmed for Oscar Marketplace. Check the live provider directory.
CMS has not published an overall Quality Rating System score for Oscar in North Carolina for 2025 or 2026.

Good starting points

From its 22 2026 plans statewide, lowest price in any North Carolina rating area.

BronzeBronze Classic Standard | with Atrium Health$449/monthAge 40, 2026 premium before tax creditsLowest monthly premium

BronzeBronze Elite + PCP Saver Plus | with Atrium Health$501/monthAge 40, 2026 premium before tax creditsLowest deductible, $0

SilverSilver Simple Diabetes | with Atrium Health$584/monthAge 40, 2026 premium before tax credits$0 primary care visits before the deductible

BronzeBronze Simple Diabetes | with Atrium Health$458/monthAge 40, 2026 premium before tax creditsDesigned for a specific health need

2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.

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Oscar plans and prices

All 2026 Oscar plans in North Carolina

Premium is the lowest monthly premium before tax credits across North Carolina rating areas. OOP max is the out-of-pocket maximum. Costs are in network, for the standard version of each plan.
Plan	Metal	Type	Premium (age 40)	Deductible	OOP max	Primary care	Specialist	Generic Rx	HSA	Counties
Bronze Classic Standard \| with Atrium Health	MetalBronze	TypeHMO	Premium (age 40)$449	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties12
Bronze Classic Standard	MetalBronze	TypeHMO	Premium (age 40)$457	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties11
Bronze Simple Diabetes \| with Atrium Health	MetalBronze	TypeHMO	Premium (age 40)$458	Deductible$5,500	OOP max$10,150	Primary care$50	Specialist$150	Generic Rx$3	HSANo	Counties12
Bronze Classic 4700 \| with Atrium Health	MetalBronze	TypeHMO	Premium (age 40)$460	Deductible$4,700	OOP max$9,600	Primary care$70	Specialist$125	Generic Rx$3	HSANo	Counties12
Bronze Simple Breathe Easy with Enhanced COPD Benefits \| with Atrium Health	MetalBronze	TypeHMO	Premium (age 40)$461	Deductible$5,500	OOP max$10,150	Primary care$50	Specialist$150	Generic Rx$3	HSANo	Counties12
Bronze Classic 4700	MetalBronze	TypeHMO	Premium (age 40)$468	Deductible$4,700	OOP max$9,600	Primary care$70	Specialist$125	Generic Rx$3	HSANo	Counties11
Bronze Simple Chronic Care CKM \| with Atrium Health	MetalBronze	TypeHMO	Premium (age 40)$468	Deductible$5,500	OOP max$10,150	Primary care$50	Specialist$150	Generic Rx$3	HSANo	Counties12
Bronze Elite + PCP Saver Plus \| with Atrium Health	MetalBronze	TypeHMO	Premium (age 40)$501	Deductible$0	OOP max$10,600	Primary care$50	Specialist$125	Generic Rx$3	HSANo	Counties12
Bronze Elite + PCP Saver Plus	MetalBronze	TypeHMO	Premium (age 40)$509	Deductible$0	OOP max$10,600	Primary care$50	Specialist$125	Generic Rx$3	HSANo	Counties11
Silver Simple PCP Saver \| with Atrium Health	MetalSilver	TypeHMO	Premium (age 40)$575	Deductible$5,500	OOP max$9,900	Primary care$20	Specialist$70	Generic Rx$3	HSANo	Counties12
Silver Classic Standard \| with Atrium Health	MetalSilver	TypeHMO	Premium (age 40)$583	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties12
Silver Simple Diabetes \| with Atrium Health	MetalSilver	TypeHMO	Premium (age 40)$584	Deductible$6,500	OOP max$10,000	Primary care$0	Specialist$40	Generic Rx$0	HSANo	Counties12
Silver Simple PCP Saver	MetalSilver	TypeHMO	Premium (age 40)$585	Deductible$5,500	OOP max$9,900	Primary care$20	Specialist$70	Generic Rx$3	HSANo	Counties11
Silver Simple Breathe Easy with Enhanced COPD Benefits \| with Atrium Health	MetalSilver	TypeHMO	Premium (age 40)$586	Deductible$6,200	OOP max$9,600	Primary care$0	Specialist$40	Generic Rx$0	HSANo	Counties12
Silver Simple Chronic Care CKM \| with Atrium Health	MetalSilver	TypeHMO	Premium (age 40)$587	Deductible$5,900	OOP max$10,150	Primary care$0	Specialist$35	Generic Rx$3	HSANo	Counties12
Silver Simple Women's Health with Menopause Benefits \| with Atrium Health	MetalSilver	TypeHMO	Premium (age 40)$588	Deductible$6,000	OOP max$10,150	Primary care$0	Specialist$40	Generic Rx$3	HSANo	Counties12
Silver Classic \| with Atrium Health	MetalSilver	TypeHMO	Premium (age 40)$591	Deductible$5,400	OOP max$9,200	Primary care$30	Specialist$80	Generic Rx$3	HSANo	Counties12
Silver Classic Standard	MetalSilver	TypeHMO	Premium (age 40)$593	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties11
Silver Simple Diabetes	MetalSilver	TypeHMO	Premium (age 40)$594	Deductible$6,500	OOP max$10,000	Primary care$0	Specialist$40	Generic Rx$0	HSANo	Counties11
Silver Classic	MetalSilver	TypeHMO	Premium (age 40)$601	Deductible$5,400	OOP max$9,200	Primary care$30	Specialist$80	Generic Rx$3	HSANo	Counties11
Gold Classic Standard \| with Atrium Health	MetalGold	TypeHMO	Premium (age 40)$628	Deductible$2,000	OOP max$8,200	Primary care$30	Specialist$60	Generic Rx$15	HSANo	Counties12
Gold Classic Standard	MetalGold	TypeHMO	Premium (age 40)$639	Deductible$2,000	OOP max$8,200	Primary care$30	Specialist$60	Generic Rx$15	HSANo	Counties11

Other North Carolina Marketplace insurers

Sources

NC DOI, 2027 Plan Year ACA Rate Filings (Initial), July 28, 2026
Oscar, Open Enrollment Charlotte 2026, November 5, 2025
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.