Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health — full price in Rowan County, North Carolina (2026)
Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health (11512NC0410024), a silver plan from Blue Cross and Blue Shield of NC in Rowan County, North Carolina, costs $727.40/month full price for a 40-year-old in 2026 — $1544.73 at 60, with a $2,800 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 11512NC0410024 · 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 | $569.17 |
| 27 | $596.49 |
| 30 | $646.01 |
| 40 | $727.40 |
| 50 | $1016.54 |
| 60 | $1544.73 |
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 $592.25/mo. This plan is $727.40/mo at 40 — a difference of $135.15/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 Rowan County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Novant Health | Blue Cross and Blue Shield of NC | $585.82 |
| Blue Home Silver Standard | with Novant Health | Blue Cross and Blue Shield of NC | $592.25 |
| Standard Silver with Atrium Health | Ambetter of North Carolina | $596.97 |
| Focused Silver with Atrium Health | Ambetter of North Carolina | $603.07 |
| Standard Silver with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $617.05 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0410024 in FIPS 37159.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Rowan County
Reviewed by Jason Burns, Editorial Steward.