Clear Silver with $0 Insulin Options
Starting at
$596
/month before subsidy
Clear Silver with $0 Insulin Options is a 2026 Silver HMO health insurance plan from Ambetter of North Carolina, sold on the ACA Marketplace in North Carolina under plan ID 77264NC0010037. The monthly premium starts at $596 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $7,000 ($14,000 for a family), and the individual out-of-pocket maximum is $7,000 ($14,000 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 77264NC0010037
- Plan year
- 2026
- State
- North Carolina
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$7,000
Family: $14,000
Out-of-Pocket Max
$7,000
Family: $14,000
Coinsurance
0%
You pay after deductible
Network Type
HMO
NCN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$7,060
your estimated cost
- Deductible
- $6,600
- Copays
- $400
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$1,920
your estimated cost
- Deductible
- $1,200
- Copays
- $700
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,500
- Copays
- $300
- 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
$1,179/month
Annual Premium
$7,152
OOP Maximum
$7,000
💡 What this means:
With a $7,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $7,000 total. Then insurance covers everything else for the year.
More plans from Ambetter of North Carolina in North Carolina
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- Everyday Bronze + Vision + Adult Dentalfrom $479/mo
- Everyday Bronze with Atrium Healthfrom $420/mo
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Frequently asked questions about Clear Silver with $0 Insulin Options
How much does Clear Silver with $0 Insulin Options cost per month?
Clear Silver with $0 Insulin Options from Ambetter of North Carolina starts at $596 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 Clear Silver with $0 Insulin Options?
The individual medical deductible is $7,000, and the family deductible is $14,000. 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 Clear Silver with $0 Insulin Options?
The most you would pay in a year for covered in-network care is $7,000 for an individual and $14,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Clear Silver with $0 Insulin Options HSA-eligible?
No. Clear Silver with $0 Insulin Options 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 Clear Silver with $0 Insulin Options use?
Clear Silver with $0 Insulin Options 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.