Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance
Silver · EPO · Blue Cross and Blue Shield of NC · North Carolina
At age 40 it costs $623.18 a month before any subsidy.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $3,000 | $10,600 | $45 | $15 |
| up to 150% of the federal poverty level | $0 | $1,250 | $5 | $5 |
| 150% to 200% | $550 | $3,500 | $10 | $10 |
| 200% to 250% | $2,500 | $8,450 | $30 | $15 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 11512NC0390023 |
|---|---|
| Insurer | Blue Cross and Blue Shield of NC |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $3,000 |
| Deductible (family) | $6,000 |
| Drug deductible | $250 |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $45 |
| Specialist visit | $90 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $40 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 | $487.62 | $553.45 | $623.18 | $870.89 | $1,323.40 |
| Caswell County | $487.62 | $553.45 | $623.18 | $870.89 | $1,323.40 |
| Chatham County | $487.62 | $553.45 | $623.18 | $870.89 | $1,323.40 |
| Durham County | $487.62 | $553.45 | $623.18 | $870.89 | $1,323.40 |
| Lee County | $487.62 | $553.45 | $623.18 | $870.89 | $1,323.40 |
| Orange County | $487.62 | $553.45 | $623.18 | $870.89 | $1,323.40 |
| Person County | $487.62 | $553.45 | $623.18 | $870.89 | $1,323.40 |
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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When this plan’s price or benefits change.
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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.