Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors
Gold · HMO · Blue Cross and Blue Shield of NC · North Carolina
At age 40 it costs between $823.40 and $926.33 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 11512NC0430004 |
|---|---|
| Insurer | Blue Cross and Blue Shield of NC |
| Metal level | Gold |
| Plan type | HMO |
| 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
90 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 |
|---|---|---|---|---|---|
| Guilford County | $644.29 | $731.27 | $823.40 | $1,150.70 | $1,748.60 |
| Randolph County | $644.29 | $731.27 | $823.40 | $1,150.70 | $1,748.60 |
| Rockingham County | $644.29 | $731.27 | $823.40 | $1,150.70 | $1,748.60 |
| Davidson County | $657.72 | $746.51 | $840.57 | $1,174.69 | $1,785.05 |
| Davie County | $657.72 | $746.51 | $840.57 | $1,174.69 | $1,785.05 |
| Forsyth County | $657.72 | $746.51 | $840.57 | $1,174.69 | $1,785.05 |
| Stokes County | $657.72 | $746.51 | $840.57 | $1,174.69 | $1,785.05 |
| Surry County | $657.72 | $746.51 | $840.57 | $1,174.69 | $1,785.05 |
| Yadkin County | $657.72 | $746.51 | $840.57 | $1,174.69 | $1,785.05 |
| Avery County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Buncombe County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Cherokee County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Clay County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Graham County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Haywood County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Henderson County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Jackson County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Macon County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Madison County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| McDowell County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Mitchell County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Montgomery County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Moore County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Polk County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Rutherford County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Swain County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Transylvania County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Yancey County | $664.43 | $754.13 | $849.14 | $1,186.67 | $1,803.26 |
| Alleghany County | $671.14 | $761.74 | $857.72 | $1,198.66 | $1,821.47 |
| Ashe County | $671.14 | $761.74 | $857.72 | $1,198.66 | $1,821.47 |
| Edgecombe County | $671.14 | $761.74 | $857.72 | $1,198.66 | $1,821.47 |
| Greene County | $671.14 | $761.74 | $857.72 | $1,198.66 | $1,821.47 |
| Nash County | $671.14 | $761.74 | $857.72 | $1,198.66 | $1,821.47 |
| Pitt County | $671.14 | $761.74 | $857.72 | $1,198.66 | $1,821.47 |
| Watauga County | $671.14 | $761.74 | $857.72 | $1,198.66 | $1,821.47 |
| Wayne County | $671.14 | $761.74 | $857.72 | $1,198.66 | $1,821.47 |
| Wilkes County | $671.14 | $761.74 | $857.72 | $1,198.66 | $1,821.47 |
| Wilson County | $671.14 | $761.74 | $857.72 | $1,198.66 | $1,821.47 |
| Alexander County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Bertie County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Bladen County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Burke County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Caldwell County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Camden County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Catawba County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Chowan County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Cumberland County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Currituck County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Gates County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Halifax County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Harnett County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Hertford County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Hoke County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Iredell County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Martin County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Northampton County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Pasquotank County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Perquimans County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Richmond County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Robeson County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Sampson County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Scotland County | $677.85 | $769.36 | $866.29 | $1,210.64 | $1,839.68 |
| Beaufort County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Brunswick County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Carteret County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Columbus County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Craven County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Dare County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Duplin County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Hyde County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Jones County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Lenoir County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| New Hanover County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Onslow County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Pamlico County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Pender County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Tyrrell County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Washington County | $684.56 | $776.98 | $874.87 | $1,222.62 | $1,857.90 |
| Anson County | $704.70 | $799.83 | $900.61 | $1,258.59 | $1,912.56 |
| Cabarrus County | $704.70 | $799.83 | $900.61 | $1,258.59 | $1,912.56 |
| Granville County | $704.70 | $799.83 | $900.61 | $1,258.59 | $1,912.56 |
| Mecklenburg County | $704.70 | $799.83 | $900.61 | $1,258.59 | $1,912.56 |
| Rowan County | $704.70 | $799.83 | $900.61 | $1,258.59 | $1,912.56 |
| Stanly County | $704.70 | $799.83 | $900.61 | $1,258.59 | $1,912.56 |
| Union County | $704.70 | $799.83 | $900.61 | $1,258.59 | $1,912.56 |
| Vance County | $704.70 | $799.83 | $900.61 | $1,258.59 | $1,912.56 |
| Warren County | $704.70 | $799.83 | $900.61 | $1,258.59 | $1,912.56 |
| Cleveland County | $724.83 | $822.68 | $926.33 | $1,294.55 | $1,967.19 |
| Gaston County | $724.83 | $822.68 | $926.33 | $1,294.55 | $1,967.19 |
| Lincoln County | $724.83 | $822.68 | $926.33 | $1,294.55 | $1,967.19 |
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.