Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors — full price in Cleveland County, North Carolina (2026)
Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors (11512NC0060018), a gold plan from Blue Cross and Blue Shield of NC in Cleveland County, North Carolina, costs $954.78/month full price for a 40-year-old in 2026 — $2027.60 at 60, with a $1,800 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 11512NC0060018 · 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 | $747.09 |
| 27 | $782.95 |
| 30 | $847.95 |
| 40 | $954.78 |
| 50 | $1334.30 |
| 60 | $2027.60 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,800
- Family deductible: $3,600
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $629.12/mo. This plan is $954.78/mo at 40 — a difference of $325.66/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.
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Other gold plans in Cleveland County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold with Atrium Health | Ambetter of North Carolina | $655.06 |
| Standard Gold with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $677.10 |
| Gold Classic Standard | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $677.37 |
| Complete Gold with Atrium Health | Ambetter of North Carolina | $684.81 |
| Complete Gold with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $707.86 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0060018 in FIPS 37045.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cleveland County
Reviewed by Jason Burns, Editorial Steward.