Silver Classic
Starting at
$601
/month before subsidy
Silver Classic is a 2026 Silver HMO health insurance plan from Oscar Health Plan of North Carolina, Inc, sold on the ACA Marketplace in North Carolina under plan ID 69803NC0010006. The monthly premium starts at $601 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $5,400 ($10,800 for a family), and the individual out-of-pocket maximum is $9,200 ($18,400 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 69803NC0010006
- Plan year
- 2026
- State
- North Carolina
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$5,400
Family: $10,800
Out-of-Pocket Max
$9,200
Family: $18,400
Coinsurance
50%
You pay after deductible
Network Type
HMO
NCN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$8,000
your estimated cost
- Deductible
- $5,400
- Copays
- $300
- Coinsurance
- $2,300
Managing type 2 diabetes
A year of routine care
$2,000
your estimated cost
- Deductible
- $0
- Copays
- $2,000
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,600
your estimated cost
- Deductible
- $2,100
- Copays
- $500
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,368/month
Annual Premium
$7,212
OOP Maximum
$9,200
💡 What this means:
With a $5,400 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $9,200 total. Then insurance covers everything else for the year.
More plans from Oscar Health Plan of North Carolina, Inc in North Carolina
- Bronze Classic 4700from $468/mo
- Bronze Classic 4700 | with Atrium Healthfrom $460/mo
- Bronze Classic Standardfrom $457/mo
- Bronze Classic Standard | with Atrium Healthfrom $449/mo
- Bronze Elite + PCP Saver Plusfrom $509/mo
- Bronze Elite + PCP Saver Plus | with Atrium Healthfrom $501/mo
- Bronze Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Healthfrom $461/mo
- Bronze Simple Chronic Care CKM | with Atrium Healthfrom $468/mo
Frequently asked questions about Silver Classic
How much does Silver Classic cost per month?
Silver Classic from Oscar Health Plan of North Carolina, Inc starts at $601 per month before any subsidy in North Carolina. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Silver Classic?
The individual medical deductible is $5,400, and the family deductible is $10,800. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Silver Classic?
The most you would pay in a year for covered in-network care is $9,200 for an individual and $18,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Silver Classic HSA-eligible?
No. Silver Classic is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Silver Classic use?
Silver Classic is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.