Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health — full price in Wilkes County, North Carolina (2026)
Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health (11512NC0410030), a silver plan from Blue Cross and Blue Shield of NC in Wilkes County, North Carolina, costs $674.43/month full price for a 40-year-old in 2026 — $1432.23 at 60, with a $2,800 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 11512NC0410030 · 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 | $527.72 |
| 27 | $553.05 |
| 30 | $598.96 |
| 40 | $674.43 |
| 50 | $942.51 |
| 60 | $1432.23 |
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 $677.28/mo. This plan is $674.43/mo at 40 — a difference of $-2.85/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 Wilkes County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clear Silver with $0 Insulin Options | Ambetter of North Carolina | $677.28 |
| Standard Silver | Ambetter of North Carolina | $677.49 |
| Blue Local Silver Standard | with Atrium Health | Blue Cross and Blue Shield of NC | $681.89 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options | Ambetter of North Carolina | $695.18 |
| Blue Local Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with Atrium Health | Blue Cross and Blue Shield of NC | $697.03 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 11512NC0410030 in FIPS 37193.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Wilkes County
Reviewed by Jason Burns, Editorial Steward.