Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health
Starting at
$514
/month before subsidy
Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health is a 2026 Expanded_bronze EPO health insurance plan from Blue Cross and Blue Shield of NC, sold on the ACA Marketplace in North Carolina under plan ID 11512NC0410048. The monthly premium starts at $514 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $7,000 ($14,000 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 HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 11512NC0410048
- Plan year
- 2026
- State
- North Carolina
- Metal level
- Expanded_bronze
- Plan type
- EPO
- HSA-eligible
- Yes
Individual Deductible
$7,000
Family: $14,000
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
$9,870
your estimated cost
- Deductible
- $7,000
- Copays
- $10
- Coinsurance
- $2,800
Managing type 2 diabetes
A year of routine care
$4,420
your estimated cost
- Deductible
- $4,000
- Copays
- $400
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,300
- Copays
- $500
- Coinsurance
- $0
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Review the plan details above to determine if this plan fits your healthcare needs and budget.
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,397/month
Annual Premium
$6,168
OOP Maximum
$10,600
💡 What this means:
With a $7,000 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 Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health
How much does Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health cost per month?
Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health from Blue Cross and Blue Shield of NC starts at $514 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 Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health?
The individual medical deductible is $7,000, and the family deductible is $14,000. 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 Bronze Basic | 3 Free PCP | $25 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 Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health HSA-eligible?
Yes. Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does Blue Local Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Atrium Health use?
Blue Local Bronze Basic | 3 Free PCP | $25 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.