Blue Cross and Blue Shield of North Carolina® offers two affordable health care plans for individuals and families. Each offers unique features and multiple deductible options. The most popular individual plan. Blue Advantage ®offers the security of great coverage and the convenience of predictable copayments. Blue Cross and Blue Shield of North Carolina® offers an expanded range of plans, so you can choose the monthly premium and deductible level that is right for you.1 Our newest health care innovation - Blue Options HSASM offers lower premiums and the security of protection against high medical bills. The HSA allows you access to significant tax savings and can be used to pay for current and future medical expenses tax-free. 1 2004 BCBSNC Internal Data.