Blue Home Silver Standard | with UNC Health Alliance — full price in Wake County, North Carolina (2026)
Blue Home Silver Standard | with UNC Health Alliance (11512NC0390025), a silver plan from Blue Cross and Blue Shield of NC in Wake County, North Carolina, costs $590.76/month full price for a 40-year-old in 2026 — $1254.55 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape. 2027 plans for Wake County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.
HIOS plan ID: 11512NC0390025 · 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 | $462.25 |
| 27 | $484.44 |
| 30 | $524.65 |
| 40 | $590.76 |
| 50 | $825.58 |
| 60 | $1254.55 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $590.76/mo. This plan is $590.76/mo at 40 — a difference of $0.00/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 Wake County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $584.30 |
| Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $603.94 |
| Clear Silver with $0 Insulin Options | Ambetter of North Carolina | $626.39 |
| Standard Silver | Ambetter of North Carolina | $626.58 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options | Ambetter of North Carolina | $642.95 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0390025 in FIPS 37183.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Wake County
Reviewed by Jason Burns, Editorial Steward.
Source record: privatehealthinsurancedirectanswers.com/plan/nc/wake/11512nc0390025 · Record ID PHI-1PY2LVL6