UHC Gold Standard (No Referrals)
Gold · HMO · UnitedHealthcare · North Carolina
At age 40 it costs between $830.45 and $1,042.31 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 54332NC0030022 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| Adult dental included | No |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-800-980-5357 · TTY 1-800-980-5357 |
Where it is sold, and what it costs there
37 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Franklin County | $649.80 | $737.52 | $830.45 | $1,160.55 | $1,763.56 |
| Johnston County | $649.80 | $737.52 | $830.45 | $1,160.55 | $1,763.56 |
| Wake County | $649.80 | $737.52 | $830.45 | $1,160.55 | $1,763.56 |
| Bladen County | $674.09 | $765.10 | $861.49 | $1,203.93 | $1,829.49 |
| Cumberland County | $674.09 | $765.10 | $861.49 | $1,203.93 | $1,829.49 |
| Harnett County | $674.09 | $765.10 | $861.49 | $1,203.93 | $1,829.49 |
| Hoke County | $674.09 | $765.10 | $861.49 | $1,203.93 | $1,829.49 |
| Richmond County | $674.09 | $765.10 | $861.49 | $1,203.93 | $1,829.49 |
| Robeson County | $674.09 | $765.10 | $861.49 | $1,203.93 | $1,829.49 |
| Sampson County | $674.09 | $765.10 | $861.49 | $1,203.93 | $1,829.49 |
| Scotland County | $674.09 | $765.10 | $861.49 | $1,203.93 | $1,829.49 |
| Alamance County | $728.60 | $826.96 | $931.15 | $1,301.28 | $1,977.41 |
| Orange County | $728.60 | $826.96 | $931.15 | $1,301.28 | $1,977.41 |
| Brunswick County | $754.39 | $856.24 | $964.12 | $1,347.35 | $2,047.43 |
| Columbus County | $754.39 | $856.24 | $964.12 | $1,347.35 | $2,047.43 |
| Duplin County | $754.39 | $856.24 | $964.12 | $1,347.35 | $2,047.43 |
| New Hanover County | $754.39 | $856.24 | $964.12 | $1,347.35 | $2,047.43 |
| Pender County | $754.39 | $856.24 | $964.12 | $1,347.35 | $2,047.43 |
| Haywood County | $759.35 | $861.86 | $970.45 | $1,356.20 | $2,060.88 |
| Henderson County | $759.35 | $861.86 | $970.45 | $1,356.20 | $2,060.88 |
| Jackson County | $759.35 | $861.86 | $970.45 | $1,356.20 | $2,060.88 |
| Rutherford County | $759.35 | $861.86 | $970.45 | $1,356.20 | $2,060.88 |
| Alexander County | $767.70 | $871.34 | $981.13 | $1,371.12 | $2,083.55 |
| Burke County | $767.70 | $871.34 | $981.13 | $1,371.12 | $2,083.55 |
| Caldwell County | $767.70 | $871.34 | $981.13 | $1,371.12 | $2,083.55 |
| Catawba County | $767.70 | $871.34 | $981.13 | $1,371.12 | $2,083.55 |
| Iredell County | $767.70 | $871.34 | $981.13 | $1,371.12 | $2,083.55 |
| Mecklenburg County | $802.57 | $910.92 | $1,025.68 | $1,433.39 | $2,178.18 |
| Davidson County | $802.72 | $911.08 | $1,025.87 | $1,433.65 | $2,178.58 |
| Davie County | $802.72 | $911.08 | $1,025.87 | $1,433.65 | $2,178.58 |
| Forsyth County | $802.72 | $911.08 | $1,025.87 | $1,433.65 | $2,178.58 |
| Stokes County | $802.72 | $911.08 | $1,025.87 | $1,433.65 | $2,178.58 |
| Surry County | $802.72 | $911.08 | $1,025.87 | $1,433.65 | $2,178.58 |
| Yadkin County | $802.72 | $911.08 | $1,025.87 | $1,433.65 | $2,178.58 |
| Guilford County | $815.58 | $925.68 | $1,042.31 | $1,456.62 | $2,213.48 |
| Randolph County | $815.58 | $925.68 | $1,042.31 | $1,456.62 | $2,213.48 |
| Rockingham County | $815.58 | $925.68 | $1,042.31 | $1,456.62 | $2,213.48 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.