UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals
Bronze · HMO · UnitedHealthcare · North Carolina
At age 40 it costs between $511.18 and $641.59 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 | 54332NC0030026 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Bronze |
| Plan type | HMO |
| Deductible (individual) | $10,600 |
| Deductible (family) | $21,200 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | No Charge after Deductible |
| Specialist visit | No Charge after Deductible |
| Emergency room | No Charge after Deductible |
| Inpatient stay | No Charge after Deductible |
| Generic drugs | No Charge after Deductible |
| Preferred brand drugs | No Charge after Deductible |
| Specialty drugs | No Charge after Deductible |
| 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 | $399.99 | $453.98 | $511.18 | $714.37 | $1,085.56 |
| Johnston County | $399.99 | $453.98 | $511.18 | $714.37 | $1,085.56 |
| Wake County | $399.99 | $453.98 | $511.18 | $714.37 | $1,085.56 |
| Bladen County | $414.94 | $470.96 | $530.29 | $741.08 | $1,126.14 |
| Cumberland County | $414.94 | $470.96 | $530.29 | $741.08 | $1,126.14 |
| Harnett County | $414.94 | $470.96 | $530.29 | $741.08 | $1,126.14 |
| Hoke County | $414.94 | $470.96 | $530.29 | $741.08 | $1,126.14 |
| Richmond County | $414.94 | $470.96 | $530.29 | $741.08 | $1,126.14 |
| Robeson County | $414.94 | $470.96 | $530.29 | $741.08 | $1,126.14 |
| Sampson County | $414.94 | $470.96 | $530.29 | $741.08 | $1,126.14 |
| Scotland County | $414.94 | $470.96 | $530.29 | $741.08 | $1,126.14 |
| Alamance County | $448.49 | $509.03 | $573.17 | $801 | $1,217.20 |
| Orange County | $448.49 | $509.03 | $573.17 | $801 | $1,217.20 |
| Brunswick County | $464.37 | $527.06 | $593.46 | $829.36 | $1,260.29 |
| Columbus County | $464.37 | $527.06 | $593.46 | $829.36 | $1,260.29 |
| Duplin County | $464.37 | $527.06 | $593.46 | $829.36 | $1,260.29 |
| New Hanover County | $464.37 | $527.06 | $593.46 | $829.36 | $1,260.29 |
| Pender County | $464.37 | $527.06 | $593.46 | $829.36 | $1,260.29 |
| Haywood County | $467.42 | $530.52 | $597.36 | $834.81 | $1,268.58 |
| Henderson County | $467.42 | $530.52 | $597.36 | $834.81 | $1,268.58 |
| Jackson County | $467.42 | $530.52 | $597.36 | $834.81 | $1,268.58 |
| Rutherford County | $467.42 | $530.52 | $597.36 | $834.81 | $1,268.58 |
| Alexander County | $472.56 | $536.36 | $603.93 | $843.99 | $1,282.53 |
| Burke County | $472.56 | $536.36 | $603.93 | $843.99 | $1,282.53 |
| Caldwell County | $472.56 | $536.36 | $603.93 | $843.99 | $1,282.53 |
| Catawba County | $472.56 | $536.36 | $603.93 | $843.99 | $1,282.53 |
| Iredell County | $472.56 | $536.36 | $603.93 | $843.99 | $1,282.53 |
| Mecklenburg County | $494.02 | $560.72 | $631.36 | $882.32 | $1,340.78 |
| Davidson County | $494.11 | $560.82 | $631.48 | $882.49 | $1,341.02 |
| Davie County | $494.11 | $560.82 | $631.48 | $882.49 | $1,341.02 |
| Forsyth County | $494.11 | $560.82 | $631.48 | $882.49 | $1,341.02 |
| Stokes County | $494.11 | $560.82 | $631.48 | $882.49 | $1,341.02 |
| Surry County | $494.11 | $560.82 | $631.48 | $882.49 | $1,341.02 |
| Yadkin County | $494.11 | $560.82 | $631.48 | $882.49 | $1,341.02 |
| Guilford County | $502.03 | $569.80 | $641.59 | $896.62 | $1,362.51 |
| Randolph County | $502.03 | $569.80 | $641.59 | $896.62 | $1,362.51 |
| Rockingham County | $502.03 | $569.80 | $641.59 | $896.62 | $1,362.51 |
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.