North Carolina · Insurer
Blue Cross NC Marketplace Plans in North Carolina
Blue Cross NC is the state's largest Marketplace insurer, with about 255,000 individual members and plans in all 100 counties. Shoppers can choose statewide PPO and Care products or lower-premium Blue Local and Blue Home EPOs tied to Atrium, UNC Health Alliance, Novant or Cone.
- EPO product (most plans). POS also 4 overall with 5 member experience; PPO 4 overall with 3 plan administration..
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
Compare plans for my ZIP codeFree. See your price after tax credits.
100 of 100North Carolina counties (2026)
EPO / HMO / POS / PPOPlan type
4 of 5CMS quality rating (2026)
+17.7%Proposed 2027 change
What makes Blue Cross NC different
Blue Cross NC covers all 100 counties. It also has the largest filed 2027 individual membership on the NC DOI table.
Blue Advantage PPO and Blue Care cover broadly. Blue Local centers on Atrium Health; Blue Home pairs with UNC Health Alliance, Novant Health or Cone Health.
CMS rated Blue Cross NC EPO plans 4 of 5 overall for 2026, with 5 stars for member experience.
Blue Cross NC individual materials say you can see a specialist without a primary care referral. Many plan names include three free PCP visits.
Is Blue Cross NC a good fit?
A good fit if
- You live in a rural or eastern county where Blue Cross NC is the main Marketplace option
- You want a statewide PPO or a lower-premium EPO built around Atrium, UNC, Novant or Cone
- You prefer a 4-star CMS overall rating with strong member-experience scores
Think twice if
- Blue Local and Blue Home EPOs cover non-emergency care only inside the named health system. Check the network name on the ID card.
- A doctor in-network on Blue Advantage can be out-of-network on Blue Local or Blue Home.
- The filed 2027 average is about 17.7% before tax credits. Compare your net premium after any credit.
Good starting points
From its 117 2026 plans statewide, lowest price in any North Carolina rating area.Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance$446/monthLowest monthly premium
Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance$613/monthLowest deductible, $1,800
Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance$482/monthLowest-priced HSA-eligible plan
2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.
See my price after tax creditsCompare every insurer in your county and check your doctors.
Blue Cross NC plans and prices
All 2026 Blue Cross NC plans in North Carolina
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance | MetalBronze | TypeEPO | Premium (age 40)$446 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties3 |
| Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Novant Health | MetalBronze | TypeEPO | Premium (age 40)$447 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties4 |
| Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance | MetalBronze | TypeEPO | Premium (age 40)$460 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties7 |
| Blue Home Bronze Standard | with UNC Health Alliance | MetalBronze | TypeEPO | Premium (age 40)$464 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties3 |
| Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$464 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties2 |
| Blue Home Bronze Standard | with Novant Health | MetalBronze | TypeEPO | Premium (age 40)$465 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties4 |
| Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance | MetalBronze | TypeEPO | Premium (age 40)$470 | Deductible$4,000 | OOP max$10,600 | Primary care$60 | Specialist$120 | Generic Rx$20 | HSANo | Counties3 |
| Blue Home Bronze Standard | with UNC Health Alliance | MetalBronze | TypeEPO | Premium (age 40)$478 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties7 |
| Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$479 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties5 |
| Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance | MetalBronze | TypeEPO | Premium (age 40)$482 | Deductible$8,500 | OOP max$8,500 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSAYes | Counties3 |
| Blue Local Bronze Standard | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$483 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties2 |
| Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance | MetalBronze | TypeEPO | Premium (age 40)$485 | Deductible$4,000 | OOP max$10,600 | Primary care$60 | Specialist$120 | Generic Rx$20 | HSANo | Counties7 |
| Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance | MetalBronze | TypeEPO | Premium (age 40)$497 | Deductible$8,500 | OOP max$8,500 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSAYes | Counties7 |
| Blue Local Bronze Standard | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$498 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties5 |
| Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Novant Health | MetalBronze | TypeEPO | Premium (age 40)$509 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties4 |
| Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$514 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties1 |
| Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance | MetalBronze | TypeEPO | Premium (age 40)$515 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties1 |
| Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Cone Health | MetalBronze | TypeEPO | Premium (age 40)$517 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties3 |
| Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors | MetalBronze | TypePOS | Premium (age 40)$530 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties12 |
| Blue Home Bronze Standard | with Novant Health | MetalBronze | TypeEPO | Premium (age 40)$530 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties4 |
| Blue Local Bronze Standard | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$535 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties1 |
| Blue Home Bronze Standard | with UNC Health Alliance | MetalBronze | TypeEPO | Premium (age 40)$535 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties1 |
| Blue Home Bronze Standard | with Cone Health | MetalBronze | TypeEPO | Premium (age 40)$538 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties3 |
| Blue Local Bronze Complete | $60 PCP | $20 Tier 1 Rx | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$542 | Deductible$4,000 | OOP max$10,600 | Primary care$60 | Specialist$120 | Generic Rx$20 | HSANo | Counties1 |
| Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance | MetalBronze | TypeEPO | Premium (age 40)$543 | Deductible$4,000 | OOP max$10,600 | Primary care$60 | Specialist$120 | Generic Rx$20 | HSANo | Counties1 |
| Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors | MetalBronze | TypePOS | Premium (age 40)$550 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties3 |
| Blue Value Bronze Standard | Limited Statewide Doctors | MetalBronze | TypePOS | Premium (age 40)$551 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties12 |
| Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$555 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties6 |
| Blue Local Bronze HSA Eligible | Integrated | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$556 | Deductible$8,500 | OOP max$8,500 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSAYes | Counties1 |
| Blue Home Bronze HSA Eligible | Integrated | with UNC Health Alliance | MetalBronze | TypeEPO | Premium (age 40)$557 | Deductible$8,500 | OOP max$8,500 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSAYes | Counties1 |
| Blue Value Bronze Complete | $60 PCP | $20 Tier 1 Rx | Limited Statewide Doctors | MetalBronze | TypePOS | Premium (age 40)$559 | Deductible$4,000 | OOP max$10,600 | Primary care$60 | Specialist$120 | Generic Rx$20 | HSANo | Counties12 |
| Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$571 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties3 |
| Blue Value Bronze Standard | Limited Statewide Doctors | MetalBronze | TypePOS | Premium (age 40)$572 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties3 |
| Blue Value Bronze HSA Eligible | Integrated | Limited Statewide Doctors | MetalBronze | TypePOS | Premium (age 40)$573 | Deductible$8,500 | OOP max$8,500 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSAYes | Counties12 |
| Blue Local Bronze Standard | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$577 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties6 |
| Blue Value Bronze Complete | $60 PCP | $20 Tier 1 Rx | Limited Statewide Doctors | MetalBronze | TypePOS | Premium (age 40)$580 | Deductible$4,000 | OOP max$10,600 | Primary care$60 | Specialist$120 | Generic Rx$20 | HSANo | Counties3 |
| Blue Local Bronze Standard | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$594 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties3 |
| Blue Value Bronze HSA Eligible | Integrated | Limited Statewide Doctors | MetalBronze | TypePOS | Premium (age 40)$595 | Deductible$8,500 | OOP max$8,500 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSAYes | Counties3 |
| Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctors | MetalBronze | TypeHMO | Premium (age 40)$599 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties90 |
| Blue Local Bronze Complete | $60 PCP | $20 Tier 1 Rx | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$602 | Deductible$4,000 | OOP max$10,600 | Primary care$60 | Specialist$120 | Generic Rx$20 | HSANo | Counties3 |
| Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctors | MetalBronze | TypePPO | Premium (age 40)$617 | Deductible$7,000 | OOP max$10,600 | Primary care$95 | Specialist$175 | Generic Rx$25 | HSANo | Counties90 |
| Blue Local Bronze HSA Eligible | Integrated | with Atrium Health | MetalBronze | TypeEPO | Premium (age 40)$617 | Deductible$8,500 | OOP max$8,500 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSAYes | Counties3 |
| Blue Care Bronze Standard | Statewide Doctors | MetalBronze | TypeHMO | Premium (age 40)$624 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties90 |
| Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctors | MetalBronze | TypeHMO | Premium (age 40)$632 | Deductible$4,000 | OOP max$10,600 | Primary care$60 | Specialist$120 | Generic Rx$20 | HSANo | Counties90 |
| Blue Advantage Bronze Standard | Nationwide Doctors | MetalBronze | TypePPO | Premium (age 40)$642 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties90 |
| Blue Care Bronze HSA Eligible | Integrated | Statewide Doctors | MetalBronze | TypeHMO | Premium (age 40)$647 | Deductible$8,500 | OOP max$8,500 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSAYes | Counties90 |
| Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctors | MetalBronze | TypePPO | Premium (age 40)$651 | Deductible$4,000 | OOP max$10,600 | Primary care$60 | Specialist$120 | Generic Rx$20 | HSANo | Counties90 |
| Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctors | MetalBronze | TypePPO | Premium (age 40)$667 | Deductible$8,500 | OOP max$8,500 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSAYes | Counties90 |
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance | MetalSilver | TypeEPO | Premium (age 40)$584 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties3 |
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Novant Health | MetalSilver | TypeEPO | Premium (age 40)$586 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties4 |
| Blue Home Silver Standard | with UNC Health Alliance | MetalSilver | TypeEPO | Premium (age 40)$591 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties3 |
| Blue Home Silver Standard | with Novant Health | MetalSilver | TypeEPO | Premium (age 40)$592 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties4 |
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance | MetalSilver | TypeEPO | Premium (age 40)$603 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties7 |
| Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance | MetalSilver | TypeEPO | Premium (age 40)$604 | Deductible$3,000 | OOP max$10,600 | Primary care$45 | Specialist$90 | Generic Rx$15 | HSANo | Counties3 |
| Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health | MetalSilver | TypeEPO | Premium (age 40)$608 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties2 |
| Blue Home Silver Standard | with UNC Health Alliance | MetalSilver | TypeEPO | Premium (age 40)$610 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties7 |
| Blue Local Silver Standard | with Atrium Health | MetalSilver | TypeEPO | Premium (age 40)$615 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties2 |
| Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance | MetalSilver | TypeEPO | Premium (age 40)$623 | Deductible$3,000 | OOP max$10,600 | Primary care$45 | Specialist$90 | Generic Rx$15 | HSANo | Counties7 |
| Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health | MetalSilver | TypeEPO | Premium (age 40)$627 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties5 |
| Blue Local Silver Standard | with Atrium Health | MetalSilver | TypeEPO | Premium (age 40)$634 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties5 |
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Novant Health | MetalSilver | TypeEPO | Premium (age 40)$667 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties4 |
| Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health | MetalSilver | TypeEPO | Premium (age 40)$674 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties1 |
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance | MetalSilver | TypeEPO | Premium (age 40)$675 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties1 |
| Blue Home Silver Standard | with Novant Health | MetalSilver | TypeEPO | Premium (age 40)$675 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties4 |
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Cone Health | MetalSilver | TypeEPO | Premium (age 40)$677 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties3 |
| Blue Local Silver Standard | with Atrium Health | MetalSilver | TypeEPO | Premium (age 40)$682 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties1 |
| Blue Home Silver Standard | with UNC Health Alliance | MetalSilver | TypeEPO | Premium (age 40)$682 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties1 |
| Blue Home Silver Standard | with Cone Health | MetalSilver | TypeEPO | Premium (age 40)$685 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties3 |
| Blue Value Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Limited Statewide Doctors | MetalSilver | TypePOS | Premium (age 40)$694 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties12 |
| Blue Local Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with Atrium Health | MetalSilver | TypeEPO | Premium (age 40)$697 | Deductible$3,000 | OOP max$10,600 | Primary care$45 | Specialist$90 | Generic Rx$15 | HSANo | Counties1 |
| Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance | MetalSilver | TypeEPO | Premium (age 40)$697 | Deductible$3,000 | OOP max$10,600 | Primary care$45 | Specialist$90 | Generic Rx$15 | HSANo | Counties1 |
| Blue Value Silver Standard | Limited Statewide Doctors | MetalSilver | TypePOS | Premium (age 40)$702 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties12 |
| Blue Value Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Limited Statewide Doctors | MetalSilver | TypePOS | Premium (age 40)$718 | Deductible$3,000 | OOP max$10,600 | Primary care$45 | Specialist$90 | Generic Rx$15 | HSANo | Counties12 |
| Blue Value Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Limited Statewide Doctors | MetalSilver | TypePOS | Premium (age 40)$721 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties3 |
| Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health | MetalSilver | TypeEPO | Premium (age 40)$727 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties6 |
| Blue Value Silver Standard | Limited Statewide Doctors | MetalSilver | TypePOS | Premium (age 40)$729 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties3 |
| Blue Local Silver Standard | with Atrium Health | MetalSilver | TypeEPO | Premium (age 40)$735 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties6 |
| Blue Value Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Limited Statewide Doctors | MetalSilver | TypePOS | Premium (age 40)$745 | Deductible$3,000 | OOP max$10,600 | Primary care$45 | Specialist$90 | Generic Rx$15 | HSANo | Counties3 |
| Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health | MetalSilver | TypeEPO | Premium (age 40)$748 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties3 |
| Blue Local Silver Standard | with Atrium Health | MetalSilver | TypeEPO | Premium (age 40)$756 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties3 |
| Blue Local Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with Atrium Health | MetalSilver | TypeEPO | Premium (age 40)$773 | Deductible$3,000 | OOP max$10,600 | Primary care$45 | Specialist$90 | Generic Rx$15 | HSANo | Counties3 |
| Blue Care Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Statewide Doctors | MetalSilver | TypeHMO | Premium (age 40)$785 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties90 |
| Blue Care Silver Standard | Statewide Doctors | MetalSilver | TypeHMO | Premium (age 40)$795 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties90 |
| Blue Advantage Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | Nationwide Doctors | MetalSilver | TypePPO | Premium (age 40)$809 | Deductible$2,800 | OOP max$10,600 | Primary care$40 | Specialist$80 | Generic Rx$10 | HSANo | Counties90 |
| Blue Care Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Statewide Doctors | MetalSilver | TypeHMO | Premium (age 40)$811 | Deductible$3,000 | OOP max$10,600 | Primary care$45 | Specialist$90 | Generic Rx$15 | HSANo | Counties90 |
| Blue Advantage Silver Standard | Nationwide Doctors | MetalSilver | TypePPO | Premium (age 40)$818 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties90 |
| Blue Advantage Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | Nationwide Doctors | MetalSilver | TypePPO | Premium (age 40)$836 | Deductible$3,000 | OOP max$10,600 | Primary care$45 | Specialist$90 | Generic Rx$15 | HSANo | Counties90 |
| Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance | MetalGold | TypeEPO | Premium (age 40)$613 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties3 |
| Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Novant Health | MetalGold | TypeEPO | Premium (age 40)$615 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties4 |
| Blue Home Gold Standard A | with UNC Health Alliance | MetalGold | TypeEPO | Premium (age 40)$619 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties3 |
| Blue Home Gold Standard A | with Novant Health | MetalGold | TypeEPO | Premium (age 40)$621 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties4 |
| Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance | MetalGold | TypeEPO | Premium (age 40)$633 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties7 |
| Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health | MetalGold | TypeEPO | Premium (age 40)$638 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties2 |
| Blue Home Gold Standard A | with UNC Health Alliance | MetalGold | TypeEPO | Premium (age 40)$639 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties7 |
| Blue Local Gold Standard A | with Atrium Health | MetalGold | TypeEPO | Premium (age 40)$645 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties2 |
| Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health | MetalGold | TypeEPO | Premium (age 40)$658 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties5 |
| Blue Local Gold Standard A | with Atrium Health | MetalGold | TypeEPO | Premium (age 40)$665 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties5 |
| Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Novant Health | MetalGold | TypeEPO | Premium (age 40)$700 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties4 |
| Blue Home Gold Standard A | with Novant Health | MetalGold | TypeEPO | Premium (age 40)$707 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties4 |
| Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health | MetalGold | TypeEPO | Premium (age 40)$708 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties1 |
| Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance | MetalGold | TypeEPO | Premium (age 40)$708 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties1 |
| Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Cone Health | MetalGold | TypeEPO | Premium (age 40)$711 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties3 |
| Blue Local Gold Standard A | with Atrium Health | MetalGold | TypeEPO | Premium (age 40)$715 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties1 |
| Blue Home Gold Standard A | with UNC Health Alliance | MetalGold | TypeEPO | Premium (age 40)$715 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties1 |
| Blue Home Gold Standard A | with Cone Health | MetalGold | TypeEPO | Premium (age 40)$718 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties3 |
| Blue Value Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Limited Statewide Doctors | MetalGold | TypePOS | Premium (age 40)$729 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties12 |
| Blue Value Gold Standard A | Limited Statewide Doctors | MetalGold | TypePOS | Premium (age 40)$737 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties12 |
| Blue Value Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Limited Statewide Doctors | MetalGold | TypePOS | Premium (age 40)$757 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties3 |
| Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health | MetalGold | TypeEPO | Premium (age 40)$763 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties6 |
| Blue Value Gold Standard A | Limited Statewide Doctors | MetalGold | TypePOS | Premium (age 40)$765 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties3 |
| Blue Local Gold Standard A | with Atrium Health | MetalGold | TypeEPO | Premium (age 40)$771 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties6 |
| Blue Local Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with Atrium Health | MetalGold | TypeEPO | Premium (age 40)$785 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties3 |
| Blue Local Gold Standard A | with Atrium Health | MetalGold | TypeEPO | Premium (age 40)$793 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties3 |
| Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors | MetalGold | TypeHMO | Premium (age 40)$823 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties90 |
| Blue Care Gold Standard A | Statewide Doctors | MetalGold | TypeHMO | Premium (age 40)$834 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties90 |
| Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors | MetalGold | TypePPO | Premium (age 40)$849 | Deductible$1,800 | OOP max$10,600 | Primary care$15 | Specialist$40 | Generic Rx$10 | HSANo | Counties90 |
| Blue Advantage Gold Standard A | Nationwide Doctors | MetalGold | TypePPO | Premium (age 40)$857 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties90 |
Other North Carolina Marketplace insurers
Sources
- NC DOI, 2027 Plan Year ACA Rate Filings (Initial), July 28, 2026
- Blue Cross NC, Blue Local with Atrium Health, accessed October 7, 2026
- CMS Nationwide QRS PUF PY2026, October 2025
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← North Carolina Marketplace guide and all insurers
Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.
Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.