Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health
Starting at
$608
/month before subsidy
Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health is a 2026 Silver EPO health insurance plan from Blue Cross and Blue Shield of NC, sold on the ACA Marketplace in North Carolina under plan ID 11512NC0410029. The monthly premium starts at $608 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,800 ($5,600 for a family), and the individual out-of-pocket maximum is $10,600 ($21,200 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 11512NC0410029
- Plan year
- 2026
- State
- North Carolina
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$2,800
Family: $5,600
Out-of-Pocket Max
$10,600
Family: $21,200
Coinsurance
50%
You pay after deductible
Network Type
EPO
NCN015
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$7,770
your estimated cost
- Deductible
- $2,800
- Copays
- $10
- Coinsurance
- $4,900
Managing type 2 diabetes
A year of routine care
$3,720
your estimated cost
- Deductible
- $2,800
- Copays
- $300
- Coinsurance
- $600
A simple fracture
ER visit + follow-up
$2,700
your estimated cost
- Deductible
- $2,300
- Copays
- $400
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver EPO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,491/month
Annual Premium
$7,296
OOP Maximum
$10,600
💡 What this means:
With a $2,800 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.
More plans from Blue Cross and Blue Shield of NC in North Carolina
- Blue Advantage Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Nationwide Doctorsfrom $617/mo
- Blue Advantage Bronze Complete | $60 PCP | $20 Tier 1 Rx | Nationwide Doctorsfrom $651/mo
- Blue Advantage Bronze HSA Eligible | Integrated | Nationwide Doctorsfrom $667/mo
- Blue Advantage Bronze Standard | Nationwide Doctorsfrom $642/mo
- Blue Care Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Statewide Doctorsfrom $599/mo
- Blue Care Bronze Complete | $60 PCP | $20 Tier 1 Rx | Statewide Doctorsfrom $632/mo
- Blue Care Bronze HSA Eligible | Integrated | Statewide Doctorsfrom $647/mo
- Blue Care Bronze Standard | Statewide Doctorsfrom $624/mo
Frequently asked questions about Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health
How much does Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health cost per month?
Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health from Blue Cross and Blue Shield of NC starts at $608 per month before any subsidy in North Carolina. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health?
The individual medical deductible is $2,800, and the family deductible is $5,600. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health?
The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health HSA-eligible?
No. Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health use?
Blue Local Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Atrium Health is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.