Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors — full price in Watauga County, North Carolina (2026)
Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors (11512NC0430004), a gold plan from Blue Cross and Blue Shield of NC in Watauga County, North Carolina, costs $857.72/month full price for a 40-year-old in 2026 — $1821.47 at 60, with a $1,800 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 11512NC0430004 · 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 | $671.14 |
| 27 | $703.35 |
| 30 | $761.74 |
| 40 | $857.72 |
| 50 | $1198.66 |
| 60 | $1821.47 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,800
- Family deductible: $3,600
- 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 $737.31/mo. This plan is $857.72/mo at 40 — a difference of $120.41/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 gold plans in Watauga County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| AmeriHealth Caritas Next Gold Signature + No Referrals | AmeriHealth Caritas Next | $754.81 |
| AmeriHealth Caritas Next Gold Premier + No Referrals | AmeriHealth Caritas Next | $784.03 |
| Blue Care Gold Standard A | Statewide Doctors | Blue Cross and Blue Shield of NC | $868.45 |
| Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors | Blue Cross and Blue Shield of NC | $884.06 |
| Blue Advantage Gold Standard A | Nationwide Doctors | Blue Cross and Blue Shield of NC | $892.86 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0430004 in FIPS 37189.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Watauga County
Reviewed by Jason Burns, Editorial Steward.