Blue Home Gold Standard A | with Novant Health — full price in Cabarrus County, North Carolina (2026)
Blue Home Gold Standard A | with Novant Health (11512NC0400003), a gold plan from Blue Cross and Blue Shield of NC in Cabarrus County, North Carolina, costs $620.88/month full price for a 40-year-old in 2026 — $1318.52 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 11512NC0400003 · Issuer: Blue Cross and Blue Shield of NC · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $485.82 |
| 27 | $509.14 |
| 30 | $551.41 |
| 40 | $620.88 |
| 50 | $867.67 |
| 60 | $1318.52 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $582.84/mo. This plan is $620.88/mo at 40 — a difference of $38.04/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Cabarrus County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Novant Health | Blue Cross and Blue Shield of NC | $614.67 |
| Standard Gold with Atrium Health | Ambetter of North Carolina | $617.13 |
| Gold Classic Standard | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $627.54 |
| Standard Gold with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $637.89 |
| Complete Gold with Atrium Health | Ambetter of North Carolina | $645.16 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0400003 in FIPS 37025.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cabarrus County
Reviewed by Jason Burns, Editorial Steward.