Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors — full price in Cumberland County, North Carolina (2026)
Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors (11512NC0430005), a silver plan from Blue Cross and Blue Shield of NC in Cumberland County, North Carolina, costs $825.51/month full price for a 40-year-old in 2026 — $1753.08 at 60, with a $2,800 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 11512NC0430005 · 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 | $645.94 |
| 27 | $676.95 |
| 30 | $733.14 |
| 40 | $825.51 |
| 50 | $1153.65 |
| 60 | $1753.08 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,800
- Family deductible: $5,600
- 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 $649.06/mo. This plan is $825.51/mo at 40 — a difference of $176.45/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 silver plans in Cumberland County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clear Silver with $0 Insulin Options | Ambetter of North Carolina | $648.86 |
| Standard Silver | Ambetter of North Carolina | $649.06 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options | Ambetter of North Carolina | $666.01 |
| Standard Silver + Vision + Adult Dental | Ambetter of North Carolina | $670.90 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental | Ambetter of North Carolina | $688.42 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0430005 in FIPS 37051.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cumberland County
Reviewed by Jason Burns, Editorial Steward.