North Carolina

Obamacare 2018 Rates

Obamacare 2018 Rates and Health Insurance Providers for Cleveland County,Shelby,NC


The health insurance rates listed below are for calendar year 2018.

2018 Rates and Providers

(click here for 2014)

(click here for 2015)

(click here for 2016)

(click here for 2017)

This page gives you an overview of the rates for individual and family health insurance plans available from HealthCare.gov, the marketplace for Cleveland County, North Carolina.

Obamacare Providers, Plans and 2018 Rates for Cleveland County

Cleveland County is in “Rating Area 5” of North Carolina.

Currently, there are 16 plans offered in Rating Area 5.

Below, you’ll find a summary of plans and rates for each of these providers. This chart is designed to give you a preview of your health insurance options. For detailed information on available subsidies to make your coverage affordable, you must either

  • contact a licensed health insurance agent (by contacting one of the advertisers you see on this website)
  • complete an application at HealthCare.gov, or
  • contact the provider directly.

The table below shows premiums for the following scenarios for:

  • Individual
  • Couple
  • Couple with 1 2 or 3 children
  • Individual with 1 2 or 3 children
  • A child alone

Each scenario is covered for age

  • Age 21, 30, 40, 50
  • Age 60 (Individual and Couple only)

For each plan, there are links that go to the insurance provider's website in a new window. You can find links to:

  • a summary of plan benefits and costs,
  • a plan brochure, and
  • a "Provider Directory" -- where you can find out which doctors and hospitals in the Shelby, NC area accept this insurance coverage as within the plan's "network".

2018 Obamacare Rates Providers, Plans for Cleveland County

Blue Cross and Blue Shield of NC

Local: 1-800-324-4973 | Toll Free: 1-800-324-4973

Gold

Plan: (PPO) Blue Advantage 2500 (broad network)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $2,500 : Family: $5,000
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Gold 21
30
40
50
60
$606.62
$688.51
$775.26
$1,083.42
$1,646.37
$1,213.24
$1,377.02
$1,550.52
$2,166.84
$3,292.74
$1,677.30
$1,841.08
$2,014.58
$2,630.90
$2,141.36
$2,305.14
$2,478.64
$3,094.96
$2,605.42
$2,769.20
$2,942.70
$3,559.02
$1,070.68
$1,152.57
$1,239.32
$1,547.48
$1,534.74
$1,616.63
$1,703.38
$2,011.54
$1,998.80
$2,080.69
$2,167.44
$2,475.60
$464.06

Silver

Plan: (PPO) Blue Advantage 4000 (broad network)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $4,000 : Family: $8,000
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Silver 21
30
40
50
60
$590.91
$670.68
$755.18
$1,055.37
$1,603.73
$1,181.82
$1,341.36
$1,510.36
$2,110.74
$3,207.46
$1,633.87
$1,793.41
$1,962.41
$2,562.79
$2,085.92
$2,245.46
$2,414.46
$3,014.84
$2,537.97
$2,697.51
$2,866.51
$3,466.89
$1,042.96
$1,122.73
$1,207.23
$1,507.42
$1,495.01
$1,574.78
$1,659.28
$1,959.47
$1,947.06
$2,026.83
$2,111.33
$2,411.52
$452.05

Bronze

Plan: (PPO) Blue Advantage 6650 (broad network, HSA eligible)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $6,650 : Family: $13,300
Out of Pocket Maximum per year: Individual: $6,650 : Family: $13,300

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Bronze 21
30
40
50
60
$425.71
$483.18
$544.06
$760.32
$1,155.38
$851.42
$966.36
$1,088.12
$1,520.64
$2,310.76
$1,177.09
$1,292.03
$1,413.79
$1,846.31
$1,502.76
$1,617.70
$1,739.46
$2,171.98
$1,828.43
$1,943.37
$2,065.13
$2,497.65
$751.38
$808.85
$869.73
$1,085.99
$1,077.05
$1,134.52
$1,195.40
$1,411.66
$1,402.72
$1,460.19
$1,521.07
$1,737.33
$325.67

Catastrophic

Plan: (PPO) Blue Advantage Catastrophic (broad network)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $7,350 : Family: $14,700
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Catastrophic 21
30
40
50
60
$228.30
$259.12
$291.77
$407.74
$619.61
$456.60
$518.24
$583.54
$815.48
$1,239.22
$631.25
$692.89
$758.19
$990.13
$805.90
$867.54
$932.84
$1,164.78
$980.55
$1,042.19
$1,107.49
$1,339.43
$402.95
$433.77
$466.42
$582.39
$577.60
$608.42
$641.07
$757.04
$752.25
$783.07
$815.72
$931.69
$174.65

Silver

Plan: (PPO) Blue Advantage 7000 (broad network)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $7,000 : Family: $14,000
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Silver 21
30
40
50
60
$569.91
$646.85
$728.34
$1,017.86
$1,546.74
$1,139.82
$1,293.70
$1,456.68
$2,035.72
$3,093.48
$1,575.80
$1,729.68
$1,892.66
$2,471.70
$2,011.78
$2,165.66
$2,328.64
$2,907.68
$2,447.76
$2,601.64
$2,764.62
$3,343.66
$1,005.89
$1,082.83
$1,164.32
$1,453.84
$1,441.87
$1,518.81
$1,600.30
$1,889.82
$1,877.85
$1,954.79
$2,036.28
$2,325.80
$435.98

Gold

Plan: (POS) Blue Value 2500 (limited network)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $2,500 : Family: $5,000
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Gold 21
30
40
50
60
$520.97
$591.30
$665.80
$930.45
$1,413.91
$1,041.94
$1,182.60
$1,331.60
$1,860.90
$2,827.82
$1,440.48
$1,581.14
$1,730.14
$2,259.44
$1,839.02
$1,979.68
$2,128.68
$2,657.98
$2,237.56
$2,378.22
$2,527.22
$3,056.52
$919.51
$989.84
$1,064.34
$1,328.99
$1,318.05
$1,388.38
$1,462.88
$1,727.53
$1,716.59
$1,786.92
$1,861.42
$2,126.07
$398.54

Silver

Plan: (POS) Blue Value 4000 (limited network)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $4,000 : Family: $8,000
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Silver 21
30
40
50
60
$506.22
$574.56
$646.95
$904.11
$1,373.88
$1,012.44
$1,149.12
$1,293.90
$1,808.22
$2,747.76
$1,399.70
$1,536.38
$1,681.16
$2,195.48
$1,786.96
$1,923.64
$2,068.42
$2,582.74
$2,174.22
$2,310.90
$2,455.68
$2,970.00
$893.48
$961.82
$1,034.21
$1,291.37
$1,280.74
$1,349.08
$1,421.47
$1,678.63
$1,668.00
$1,736.34
$1,808.73
$2,065.89
$387.26

Bronze

Plan: (POS) Blue Value 6650 (limited network, HSA eligible)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $6,650 : Family: $13,300
Out of Pocket Maximum per year: Individual: $6,650 : Family: $13,300

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Bronze 21
30
40
50
60
$364.08
$413.23
$465.29
$650.25
$988.11
$728.16
$826.46
$930.58
$1,300.50
$1,976.22
$1,006.68
$1,104.98
$1,209.10
$1,579.02
$1,285.20
$1,383.50
$1,487.62
$1,857.54
$1,563.72
$1,662.02
$1,766.14
$2,136.06
$642.60
$691.75
$743.81
$928.77
$921.12
$970.27
$1,022.33
$1,207.29
$1,199.64
$1,248.79
$1,300.85
$1,485.81
$278.52

Catastrophic

Plan: (POS) Blue Value Catastrophic (limited network)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $7,350 : Family: $14,700
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Catastrophic 21
30
40
50
60
$195.63
$222.04
$250.02
$349.40
$530.94
$391.26
$444.08
$500.04
$698.80
$1,061.88
$540.92
$593.74
$649.70
$848.46
$690.58
$743.40
$799.36
$998.12
$840.24
$893.06
$949.02
$1,147.78
$345.29
$371.70
$399.68
$499.06
$494.95
$521.36
$549.34
$648.72
$644.61
$671.02
$699.00
$798.38
$149.66

Silver

Plan: (POS) Blue Value 7000 (limited network)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $7,000 : Family: $14,000
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Silver 21
30
40
50
60
$488.41
$554.35
$624.19
$872.30
$1,325.54
$976.82
$1,108.70
$1,248.38
$1,744.60
$2,651.08
$1,350.45
$1,482.33
$1,622.01
$2,118.23
$1,724.08
$1,855.96
$1,995.64
$2,491.86
$2,097.71
$2,229.59
$2,369.27
$2,865.49
$862.04
$927.98
$997.82
$1,245.93
$1,235.67
$1,301.61
$1,371.45
$1,619.56
$1,609.30
$1,675.24
$1,745.08
$1,993.19
$373.63

Gold

Plan: (PPO) Blue Select 2500 (tiered network)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $2,500 : Family: $5,000
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Gold 21
30
40
50
60
$586.20
$665.34
$749.16
$1,046.95
$1,590.95
$1,172.40
$1,330.68
$1,498.32
$2,093.90
$3,181.90
$1,620.84
$1,779.12
$1,946.76
$2,542.34
$2,069.28
$2,227.56
$2,395.20
$2,990.78
$2,517.72
$2,676.00
$2,843.64
$3,439.22
$1,034.64
$1,113.78
$1,197.60
$1,495.39
$1,483.08
$1,562.22
$1,646.04
$1,943.83
$1,931.52
$2,010.66
$2,094.48
$2,392.27
$448.44

Silver

Plan: (PPO) Blue Select 7000 (tiered network)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $7,000 : Family: $14,000
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Silver 21
30
40
50
60
$548.80
$622.89
$701.37
$980.16
$1,489.44
$1,097.60
$1,245.78
$1,402.74
$1,960.32
$2,978.88
$1,517.43
$1,665.61
$1,822.57
$2,380.15
$1,937.26
$2,085.44
$2,242.40
$2,799.98
$2,357.09
$2,505.27
$2,662.23
$3,219.81
$968.63
$1,042.72
$1,121.20
$1,399.99
$1,388.46
$1,462.55
$1,541.03
$1,819.82
$1,808.29
$1,882.38
$1,960.86
$2,239.65
$419.83

Gold

Plan: (POS) Blue Local 2500 (local network with Carolinas HealthCare System)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $2,500 : Family: $5,000
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Gold 21
30
40
50
60
$527.00
$598.15
$673.51
$941.22
$1,430.28
$1,054.00
$1,196.30
$1,347.02
$1,882.44
$2,860.56
$1,457.16
$1,599.46
$1,750.18
$2,285.60
$1,860.32
$2,002.62
$2,153.34
$2,688.76
$2,263.48
$2,405.78
$2,556.50
$3,091.92
$930.16
$1,001.31
$1,076.67
$1,344.38
$1,333.32
$1,404.47
$1,479.83
$1,747.54
$1,736.48
$1,807.63
$1,882.99
$2,150.70
$403.16

Silver

Plan: (POS) Blue Local 4000 (local network with Carolinas HealthCare System)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $4,000 : Family: $8,000
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Silver 21
30
40
50
60
$512.07
$581.20
$654.43
$914.56
$1,389.76
$1,024.14
$1,162.40
$1,308.86
$1,829.12
$2,779.52
$1,415.87
$1,554.13
$1,700.59
$2,220.85
$1,807.60
$1,945.86
$2,092.32
$2,612.58
$2,199.33
$2,337.59
$2,484.05
$3,004.31
$903.80
$972.93
$1,046.16
$1,306.29
$1,295.53
$1,364.66
$1,437.89
$1,698.02
$1,687.26
$1,756.39
$1,829.62
$2,089.75
$391.73

Silver

Plan: (POS) Blue Local 7000 (local network with Carolinas HealthCare System)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $7,000 : Family: $14,000
Out of Pocket Maximum per year: Individual: $7,350 : Family: $14,700

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Silver 21
30
40
50
60
$494.06
$560.76
$631.41
$882.39
$1,340.88
$988.12
$1,121.52
$1,262.82
$1,764.78
$2,681.76
$1,366.08
$1,499.48
$1,640.78
$2,142.74
$1,744.04
$1,877.44
$2,018.74
$2,520.70
$2,122.00
$2,255.40
$2,396.70
$2,898.66
$872.02
$938.72
$1,009.37
$1,260.35
$1,249.98
$1,316.68
$1,387.33
$1,638.31
$1,627.94
$1,694.64
$1,765.29
$2,016.27
$377.96

Bronze

Plan: (POS) Blue Local 6650 (local network with Carolinas HealthCare System, HSA eligible)

Summary of Benefits and Coverage - Plan Brochure
Provider Directory for This Plan: (Blue Cross and Blue Shield of NC)
Customer Service Phone: 1-800-324-4973

Deductible: Individual: $6,650 : Family: $13,300
Out of Pocket Maximum per year: Individual: $6,650 : Family: $13,300

Monthly Premiums:

Metal level Age Individual
Couple
Couple
w 1 Kid
Couple
w 2 Kids
Couple
w3+Kids
Single
w 1 Kid
Single
w 2 Kids
Single
w3+Kids
Child
0-14
Bronze 21
30
40
50
60
$368.29
$418.01
$470.67
$657.77
$999.54
$736.58
$836.02
$941.34
$1,315.54
$1,999.08
$1,018.32
$1,117.76
$1,223.08
$1,597.28
$1,300.06
$1,399.50
$1,504.82
$1,879.02
$1,581.80
$1,681.24
$1,786.56
$2,160.76
$650.03
$699.75
$752.41
$939.51
$931.77
$981.49
$1,034.15
$1,221.25
$1,213.51
$1,263.23
$1,315.89
$1,502.99
$281.74

‡Source: HealthCare.gov has released sample rates for all counties in the 36 states served by HealthCare.gov. We have integrated that data into our tables and provide you that information for Cleveland County here.

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Ways to Save Money on Obamacare in North Carolina

Under the Affordable Care Act (ACA) in North Carolina, you may be able to reduce your health insurance through tax credits or, if your income is very low, by qualifying for Medicaid.

Many people who apply for coverage at the North Carolina exchange will be eligible for some form of financial assistance. Read on to learn more about your options.

Who Qualifies for Obamacare Tax Credits?

Obamacare tax credits can immediately bring down your monthly health insurance premiums; you don't have to wait until tax time to claim them. Using these tax credits, many lower-income Americans are able to sign up for free or very low-cost health insurance plans, while others achieve significant savings on monthly premiums.

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What Happens If I Missed the North Carolina Obamacare Enrollment Deadline for 2018?

For 2018, in most states, open enrollment for health insurance under the Affordable Care Act ended on December 15. That means it’s too late for most people to use a health insurance exchange to get coverage for 2018.

If you let the ACA deadline pass you by this year, here are some things to know.

You Can Still Enroll If You Qualify for a “Special Enrollment” Period

Certain life events make you eligible to sign up for health insurance outside of open enrolllment. The circumstances under which you may qualify for special enrollment include:

  • moving to a new state
  • having a baby or adopting a child
  • getting married or divorced
  • leaving a job and losing your insurance
  • losing coverage under your parents’ plan
  • losing coverage because someone on your plan has died
  • losing other types of health insurance
  • gaining status as a member of an Indian tribe
  • becoming an American citizen, or
  • getting out of prison.

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