Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Novant Health — full price in Mecklenburg County, North Carolina (2026)
Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Novant Health (11512NC0400021), a expanded bronze plan from Blue Cross and Blue Shield of NC in Mecklenburg County, North Carolina, costs $446.85/month full price for a 40-year-old in 2026 — $948.95 at 60, with a $7,000 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 11512NC0400021 · 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 | $349.65 |
| 27 | $366.43 |
| 30 | $396.85 |
| 40 | $446.85 |
| 50 | $624.47 |
| 60 | $948.95 |
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 $582.84/mo. This plan is $446.85/mo at 40 — a difference of $-135.99/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 Mecklenburg County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Classic Standard | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $449.20 |
| Bronze Simple Diabetes | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $458.19 |
| Bronze Classic 4700 | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $459.61 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $460.88 |
| Everyday Bronze with Atrium Health | Ambetter of North Carolina | $464.33 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0400021 in FIPS 37119.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Mecklenburg County
Reviewed by Jason Burns, Editorial Steward.