Blue Cross and Blue Shield of NC

ACA marketplace issuer - 117 plans across 100 counties

1
State
100
Counties
117
Plans
$612
Avg Premium (Age 27)
The short answer

Blue Cross and Blue Shield of NC is a single-state ACA marketplace issuer offering 117 plans across 1 state and 100 counties. Its average age-27 premium of $612/mo runs $28 below the national marketplace average of $640/mo.

vs Market Average

Blue Cross and Blue Shield of NC's average premium of $612/mo is $28 below the national market average of $640/mo.

Blue Cross and Blue Shield of NC at a Glance

Blue Cross and Blue Shield of NC is an ACA marketplace issuer offering 117 plans across 1 state and 100 counties. Its average age-27 premium is $612/mo, the standardized rate marketplaces use for apples-to-apples comparison. Plan types on offer include EPO, PPO, POS, HMO, each with distinct network rules for referrals, in-network cost-sharing, and out-of-network access.

Compared with the national marketplace average of $640/mo, Blue Cross and Blue Shield of NC's average premium lands about $28 below. Lower issuer averages typically indicate concentration in lower-cost regions or a Bronze-heavy plan mix rather than leaner benefits, since all ACA plans must cover the same 10 essential health benefits.

The largest single-state presence is NC with 2,034 plans, though availability and exact plan lineup vary county by county within each state. Confirm specific plans, network hospitals, and provider directories directly with the issuer or on HealthCare.gov before enrolling. PlainHealthPlan is not affiliated with Blue Cross and Blue Shield of NC. This page is informational only and is not insurance, medical, or financial advice.

Plan Types

EPOPPOPOSHMO

Metal Levels Offered

Gold Silver Expanded Bronze

Blue Cross and Blue Shield of NC average premium by metal level

The premium ladder across Blue Cross and Blue Shield of NC's 117 ACA plans, average monthly premium (age 27) by metal tier. Bronze trades a low premium for a high deductible; Gold and Platinum invert it.

Blue Cross and Blue Shield of NC: average premium by metal level

Expanded Bronze$526/moSilver$669/moGold$691/mo
Source: CMS Marketplace Public Use Files, plan year 2026.

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Frequently Asked Questions

How many plans does Blue Cross and Blue Shield of NC offer on the ACA marketplace?
Blue Cross and Blue Shield of NC offers 117 ACA marketplace plans across 1 state and 100 counties. Plans are available in Gold, Silver, Expanded Bronze metal tiers.
What is Blue Cross and Blue Shield of NC's average premium?
Blue Cross and Blue Shield of NC's average monthly premium is $612 for a 27-year-old. This is $28 below the national marketplace average of $640/mo.
What plan types does Blue Cross and Blue Shield of NC offer?
Blue Cross and Blue Shield of NC offers EPO, PPO, POS, HMO plan types. Plan type determines how you access providers, HMO plans require referrals and in-network care, while PPO and POS plans offer more flexibility at higher premiums.
In which states does Blue Cross and Blue Shield of NC sell ACA plans?
Blue Cross and Blue Shield of NC sells ACA marketplace plans in 1 state, covering 100 counties. The largest presence is in NC with 2,034 plans. Availability varies by county, check your specific county for plan options.

Disclaimer: This page is for informational purposes only. Data comes from CMS Marketplace Public Use Files. PlainHealthPlan is not affiliated with Blue Cross and Blue Shield of NC or any insurance company. Premiums shown are base rates and may not reflect your actual cost.

Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial