Blue Care Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Statewide Doctors
Silver · HMO · Blue Cross and Blue Shield of NC · North Carolina
At age 40 it costs between $811.13 and $912.53 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
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 | 11512NC0430007 |
|---|---|
| Insurer | Blue Cross and Blue Shield of NC |
| Metal level | Silver |
| Plan type | HMO |
| 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
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 | $634.69 | $720.37 | $811.13 | $1,133.56 | $1,722.55 |
| Randolph County | $634.69 | $720.37 | $811.13 | $1,133.56 | $1,722.55 |
| Rockingham County | $634.69 | $720.37 | $811.13 | $1,133.56 | $1,722.55 |
| Davidson County | $647.92 | $735.39 | $828.04 | $1,157.19 | $1,758.45 |
| Davie County | $647.92 | $735.39 | $828.04 | $1,157.19 | $1,758.45 |
| Forsyth County | $647.92 | $735.39 | $828.04 | $1,157.19 | $1,758.45 |
| Stokes County | $647.92 | $735.39 | $828.04 | $1,157.19 | $1,758.45 |
| Surry County | $647.92 | $735.39 | $828.04 | $1,157.19 | $1,758.45 |
| Yadkin County | $647.92 | $735.39 | $828.04 | $1,157.19 | $1,758.45 |
| Avery County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Buncombe County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Cherokee County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Clay County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Graham County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Haywood County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Henderson County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Jackson County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Macon County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Madison County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| McDowell County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Mitchell County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Montgomery County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Moore County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Polk County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Rutherford County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Swain County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Transylvania County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Yancey County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Alleghany County | $661.14 | $750.39 | $844.94 | $1,180.80 | $1,794.33 |
| Ashe County | $661.14 | $750.39 | $844.94 | $1,180.80 | $1,794.33 |
| Edgecombe County | $661.14 | $750.39 | $844.94 | $1,180.80 | $1,794.33 |
| Greene County | $661.14 | $750.39 | $844.94 | $1,180.80 | $1,794.33 |
| Nash County | $661.14 | $750.39 | $844.94 | $1,180.80 | $1,794.33 |
| Pitt County | $661.14 | $750.39 | $844.94 | $1,180.80 | $1,794.33 |
| Watauga County | $661.14 | $750.39 | $844.94 | $1,180.80 | $1,794.33 |
| Wayne County | $661.14 | $750.39 | $844.94 | $1,180.80 | $1,794.33 |
| Wilkes County | $661.14 | $750.39 | $844.94 | $1,180.80 | $1,794.33 |
| Wilson County | $661.14 | $750.39 | $844.94 | $1,180.80 | $1,794.33 |
| Alexander County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Bertie County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Bladen County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Burke County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Caldwell County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Camden County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Catawba County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Chowan County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Cumberland County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Currituck County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Gates County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Halifax County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Harnett County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Hertford County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Hoke County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Iredell County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Martin County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Northampton County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Pasquotank County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Perquimans County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Richmond County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Robeson County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Sampson County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Scotland County | $667.75 | $757.90 | $853.38 | $1,192.60 | $1,812.27 |
| Beaufort County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Brunswick County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Carteret County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Columbus County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Craven County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Dare County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Duplin County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Hyde County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Jones County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Lenoir County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| New Hanover County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Onslow County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Pamlico County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Pender County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Tyrrell County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Washington County | $674.36 | $765.40 | $861.83 | $1,204.41 | $1,830.21 |
| Anson County | $694.20 | $787.92 | $887.19 | $1,239.84 | $1,884.06 |
| Cabarrus County | $694.20 | $787.92 | $887.19 | $1,239.84 | $1,884.06 |
| Granville County | $694.20 | $787.92 | $887.19 | $1,239.84 | $1,884.06 |
| Mecklenburg County | $694.20 | $787.92 | $887.19 | $1,239.84 | $1,884.06 |
| Rowan County | $694.20 | $787.92 | $887.19 | $1,239.84 | $1,884.06 |
| Stanly County | $694.20 | $787.92 | $887.19 | $1,239.84 | $1,884.06 |
| Union County | $694.20 | $787.92 | $887.19 | $1,239.84 | $1,884.06 |
| Vance County | $694.20 | $787.92 | $887.19 | $1,239.84 | $1,884.06 |
| Warren County | $694.20 | $787.92 | $887.19 | $1,239.84 | $1,884.06 |
| Cleveland County | $714.03 | $810.42 | $912.53 | $1,275.26 | $1,937.88 |
| Gaston County | $714.03 | $810.42 | $912.53 | $1,275.26 | $1,937.88 |
| Lincoln County | $714.03 | $810.42 | $912.53 | $1,275.26 | $1,937.88 |
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.