Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health — full price in Guilford County, North Carolina (2026)
Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health (11512NC0410017), a gold plan from Blue Cross and Blue Shield of NC in Guilford County, North Carolina, costs $638.23/month full price for a 40-year-old in 2026 — $1355.37 at 60, with a $1,800 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 11512NC0410017 · 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 | $499.40 |
| 27 | $523.37 |
| 30 | $566.82 |
| 40 | $638.23 |
| 50 | $891.93 |
| 60 | $1355.37 |
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 $548.04/mo. This plan is $638.23/mo at 40 — a difference of $90.19/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 Guilford County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold with Atrium Health | Ambetter of North Carolina | $560.81 |
| Standard Gold with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $579.68 |
| Complete Gold with Atrium Health | Ambetter of North Carolina | $586.29 |
| Complete Gold with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $606.01 |
| AmeriHealth Caritas Next Gold Signature + No Referrals | AmeriHealth Caritas Next | $623.19 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0410017 in FIPS 37081.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Guilford County
Reviewed by Jason Burns, Editorial Steward.