Blue Local Bronze Standard | with Atrium Health — full price in Gaston County, North Carolina (2026)
Blue Local Bronze Standard | with Atrium Health (11512NC0410012), a expanded bronze plan from Blue Cross and Blue Shield of NC in Gaston County, North Carolina, costs $593.82/month full price for a 40-year-old in 2026 — $1261.06 at 60, with a $7,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 11512NC0410012 · 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 | $464.65 |
| 27 | $486.95 |
| 30 | $527.38 |
| 40 | $593.82 |
| 50 | $829.86 |
| 60 | $1261.06 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $7,500
- Family deductible: $15,000
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $640.14/mo. This plan is $593.82/mo at 40 — a difference of $-46.32/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 expanded bronze plans in Gaston County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Everyday Bronze with Atrium Health | Ambetter of North Carolina | $492.87 |
| Standard Expanded Bronze with Atrium Health | Ambetter of North Carolina | $494.79 |
| Everyday Bronze with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $509.46 |
| Standard Expanded Bronze with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $511.43 |
| Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors | Blue Cross and Blue Shield of NC | $549.80 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0410012 in FIPS 37071.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Gaston County
Reviewed by Jason Burns, Editorial Steward.