Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health — full price in Rowan County, North Carolina (2026)
Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health (11512NC0410055), a expanded bronze plan from Blue Cross and Blue Shield of NC in Rowan County, North Carolina, costs $554.84/month full price for a 40-year-old in 2026 — $1178.28 at 60, with a $7,000 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape. 2027 plans for Rowan County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.
HIOS plan ID: 11512NC0410055 · 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 | $434.15 |
| 27 | $454.99 |
| 30 | $492.76 |
| 40 | $554.84 |
| 50 | $775.39 |
| 60 | $1178.28 |
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 $592.25/mo. This plan is $554.84/mo at 40 — a difference of $-37.41/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 Rowan County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Novant Health | Blue Cross and Blue Shield of NC | $446.85 |
| Everyday Bronze with Atrium Health | Ambetter of North Carolina | $464.33 |
| Blue Home Bronze Standard | with Novant Health | Blue Cross and Blue Shield of NC | $464.89 |
| Standard Expanded Bronze with Atrium Health | Ambetter of North Carolina | $466.14 |
| Everyday Bronze with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $479.96 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0410055 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.
Source record: privatehealthinsurancedirectanswers.com/plan/nc/rowan/11512nc0410055 · Record ID PHI-1DZKHCOO