UHC Silver Standard (No Referrals)
Silver · HMO · UnitedHealthcare · North Carolina
At age 40 it costs between $746.43 and $936.86 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 54332NC0030027 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay 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 | $584.06 | $662.91 | $746.43 | $1,043.13 | $1,585.14 |
| Johnston County | $584.06 | $662.91 | $746.43 | $1,043.13 | $1,585.14 |
| Wake County | $584.06 | $662.91 | $746.43 | $1,043.13 | $1,585.14 |
| Bladen County | $605.90 | $687.69 | $774.33 | $1,082.13 | $1,644.40 |
| Cumberland County | $605.90 | $687.69 | $774.33 | $1,082.13 | $1,644.40 |
| Harnett County | $605.90 | $687.69 | $774.33 | $1,082.13 | $1,644.40 |
| Hoke County | $605.90 | $687.69 | $774.33 | $1,082.13 | $1,644.40 |
| Richmond County | $605.90 | $687.69 | $774.33 | $1,082.13 | $1,644.40 |
| Robeson County | $605.90 | $687.69 | $774.33 | $1,082.13 | $1,644.40 |
| Sampson County | $605.90 | $687.69 | $774.33 | $1,082.13 | $1,644.40 |
| Scotland County | $605.90 | $687.69 | $774.33 | $1,082.13 | $1,644.40 |
| Alamance County | $654.89 | $743.29 | $836.94 | $1,169.63 | $1,777.36 |
| Orange County | $654.89 | $743.29 | $836.94 | $1,169.63 | $1,777.36 |
| Brunswick County | $678.07 | $769.61 | $866.58 | $1,211.04 | $1,840.29 |
| Columbus County | $678.07 | $769.61 | $866.58 | $1,211.04 | $1,840.29 |
| Duplin County | $678.07 | $769.61 | $866.58 | $1,211.04 | $1,840.29 |
| New Hanover County | $678.07 | $769.61 | $866.58 | $1,211.04 | $1,840.29 |
| Pender County | $678.07 | $769.61 | $866.58 | $1,211.04 | $1,840.29 |
| Haywood County | $682.53 | $774.67 | $872.27 | $1,218.99 | $1,852.38 |
| Henderson County | $682.53 | $774.67 | $872.27 | $1,218.99 | $1,852.38 |
| Jackson County | $682.53 | $774.67 | $872.27 | $1,218.99 | $1,852.38 |
| Rutherford County | $682.53 | $774.67 | $872.27 | $1,218.99 | $1,852.38 |
| Alexander County | $690.04 | $783.19 | $881.86 | $1,232.40 | $1,872.76 |
| Burke County | $690.04 | $783.19 | $881.86 | $1,232.40 | $1,872.76 |
| Caldwell County | $690.04 | $783.19 | $881.86 | $1,232.40 | $1,872.76 |
| Catawba County | $690.04 | $783.19 | $881.86 | $1,232.40 | $1,872.76 |
| Iredell County | $690.04 | $783.19 | $881.86 | $1,232.40 | $1,872.76 |
| Mecklenburg County | $721.37 | $818.76 | $921.92 | $1,288.37 | $1,957.81 |
| Davidson County | $721.51 | $818.91 | $922.09 | $1,288.61 | $1,958.17 |
| Davie County | $721.51 | $818.91 | $922.09 | $1,288.61 | $1,958.17 |
| Forsyth County | $721.51 | $818.91 | $922.09 | $1,288.61 | $1,958.17 |
| Stokes County | $721.51 | $818.91 | $922.09 | $1,288.61 | $1,958.17 |
| Surry County | $721.51 | $818.91 | $922.09 | $1,288.61 | $1,958.17 |
| Yadkin County | $721.51 | $818.91 | $922.09 | $1,288.61 | $1,958.17 |
| Guilford County | $733.07 | $832.03 | $936.86 | $1,309.25 | $1,989.54 |
| Randolph County | $733.07 | $832.03 | $936.86 | $1,309.25 | $1,989.54 |
| Rockingham County | $733.07 | $832.03 | $936.86 | $1,309.25 | $1,989.54 |
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.