Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance
Gold · EPO · Blue Cross and Blue Shield of NC · North Carolina
At age 40 it costs $632.62 a month before any subsidy.
What CMS publishes about it
| Plan ID | 11512NC0390002 |
|---|---|
| Insurer | Blue Cross and Blue Shield of NC |
| Metal level | Gold |
| Plan type | EPO |
| Deductible (individual) | $1,800 |
| Deductible (family) | $3,600 |
| Drug deductible | $400 |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $15 |
| Specialist visit | $40 |
| Emergency room | 30% Coinsurance after deductible |
| Inpatient stay | 30% Coinsurance after deductible |
| Generic drugs | $10 |
| Preferred brand drugs | $35 Copay after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 99.80% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-800-324-4973 |
Where it is sold, and what it costs there
7 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Alamance County | $495.01 | $561.84 | $632.62 | $884.09 | $1,343.46 |
| Caswell County | $495.01 | $561.84 | $632.62 | $884.09 | $1,343.46 |
| Chatham County | $495.01 | $561.84 | $632.62 | $884.09 | $1,343.46 |
| Durham County | $495.01 | $561.84 | $632.62 | $884.09 | $1,343.46 |
| Lee County | $495.01 | $561.84 | $632.62 | $884.09 | $1,343.46 |
| Orange County | $495.01 | $561.84 | $632.62 | $884.09 | $1,343.46 |
| Person County | $495.01 | $561.84 | $632.62 | $884.09 | $1,343.46 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.