Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors — full price in McDowell County, North Carolina (2026)
Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors (11512NC0430009), a expanded bronze plan from Blue Cross and Blue Shield of NC in McDowell County, North Carolina, costs $617.44/month full price for a 40-year-old in 2026 — $1311.21 at 60, with a $7,000 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 11512NC0430009 · 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 | $483.13 |
| 27 | $506.32 |
| 30 | $548.35 |
| 40 | $617.44 |
| 50 | $862.87 |
| 60 | $1311.21 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $7,000
- Family deductible: $14,000
- 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 $702.41/mo. This plan is $617.44/mo at 40 — a difference of $-84.97/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 McDowell County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Everyday Bronze | Ambetter of North Carolina | $546.35 |
| Standard Expanded Bronze | Ambetter of North Carolina | $548.47 |
| AmeriHealth Caritas Next Bronze Signature + No Referrals | AmeriHealth Caritas Next | $557.10 |
| Everyday Bronze + Vision + Adult Dental | Ambetter of North Carolina | $564.73 |
| Standard Expanded Bronze + Vision + Adult Dental | Ambetter of North Carolina | $566.92 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0430009 in FIPS 37111.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in McDowell County
Reviewed by Jason Burns, Editorial Steward.