Bronze plans in Rutherford County
2 Bronze plans sold in Rutherford County, North Carolina, from 5 insurers, priced at age 30.
What people in Rutherford County actually paid
The prices below are the sticker price. Most people do not pay it. In 2026, the average plan in Rutherford County listed at $914 a month and the average person paid $193 after the advance premium tax credit.
Across the 100 North Carolina counties CMS published, the averages are $860 and $189; across the country, $829 and $183. Those are our averages of the county figures; every other number here is CMS’s own.
1,211 of the 4,376 people who enrolled here — 27.7% — paid $10 a month or less.
What you pay depends on your income and your household, and only HealthCare.gov can work it out for you. These are the county's published averages, not a quote.
Premiums at age 30: 212730405060
| Plan | Metal | Type | Premium at 30 | Deductible | Max out of pocket |
|---|---|---|---|---|---|
| AmeriHealth Caritas Next Bronze Essential + No Referrals
AmeriHealth Caritas Next |
Bronze | HMO | $489.26 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals
UnitedHealthcare |
Bronze | HMO | $530.52 | $10,600 | $10,600 |
Counties next to this one
Rutherford County is in Rating Area 1 of North Carolina. A rating area is the group of counties an insurer must price together, so a plan sold in two of them carries the same price in each. 12 other counties share it and are listed first; the rest are the largest in North Carolina.
| County | Plans | Insurers | Cheapest at 40 | Average paid after credit |
|---|---|---|---|---|
| Haywood County same rating area | 64 | 5 | $546.35 | $274 |
| Jackson County same rating area | 64 | 5 | $546.35 | $255 |
| Buncombe County same rating area | 59 | 5 | $546.35 | $258 |
| Madison County same rating area | 59 | 5 | $546.35 | $249 |
| McDowell County same rating area | 59 | 5 | $546.35 | $200 |
| Mitchell County same rating area | 59 | 5 | $546.35 | $242 |
| Polk County same rating area | 59 | 5 | $546.35 | $293 |
| Transylvania County same rating area | 59 | 5 | $546.35 | $286 |
| Yancey County same rating area | 59 | 5 | $546.35 | $245 |
| Henderson County same rating area | 57 | 5 | $550.91 | $260 |
| Avery County same rating area | 51 | 4 | $546.35 | $286 |
| Clay County same rating area | 51 | 4 | $546.35 | $287 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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When next year’s premiums are posted for Rutherford County, or an insurer arrives or leaves.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. What people actually paid comes from the CMS open-enrollment county public use file for 2026. CMS landscape file as loaded 17 September 2026. The state and national averages are our arithmetic over CMS’s county figures; nothing else on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.