Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health — full price in Lincoln County, North Carolina (2026)
Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health (11512NC0410005), a silver plan from Blue Cross and Blue Shield of NC in Lincoln County, North Carolina, costs $748.19/month full price for a 40-year-old in 2026 — $1588.88 at 60, with a $2,800 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 11512NC0410005 · 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 | $585.44 |
| 27 | $613.54 |
| 30 | $664.47 |
| 40 | $748.19 |
| 50 | $1045.60 |
| 60 | $1588.88 |
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 $629.12/mo. This plan is $748.19/mo at 40 — a difference of $119.07/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 silver plans in Lincoln County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Simple PCP Saver | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $620.80 |
| Silver Classic Standard | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $629.12 |
| Silver Simple Diabetes | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $630.04 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $632.63 |
| Standard Silver with Atrium Health | Ambetter of North Carolina | $633.66 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0410005 in FIPS 37109.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lincoln County
Reviewed by Jason Burns, Editorial Steward.