UHC Bronze Standard (No Referrals)
Expanded Bronze · HMO · UnitedHealthcare · North Carolina
At age 40 it costs between $539.94 and $677.69 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 | 54332NC0030030 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Expanded Bronze |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $7,500 |
| Deductible (family) | $15,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,000 |
| Family maximum | $20,000 |
| Primary care visit | $50 |
| Specialist visit | $100 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $25 |
| Preferred brand drugs | $50 Copay after deductible |
| Specialty drugs | $500 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 | $422.49 | $479.52 | $539.94 | $754.56 | $1,146.63 |
| Johnston County | $422.49 | $479.52 | $539.94 | $754.56 | $1,146.63 |
| Wake County | $422.49 | $479.52 | $539.94 | $754.56 | $1,146.63 |
| Bladen County | $438.28 | $497.45 | $560.12 | $782.77 | $1,189.50 |
| Cumberland County | $438.28 | $497.45 | $560.12 | $782.77 | $1,189.50 |
| Harnett County | $438.28 | $497.45 | $560.12 | $782.77 | $1,189.50 |
| Hoke County | $438.28 | $497.45 | $560.12 | $782.77 | $1,189.50 |
| Richmond County | $438.28 | $497.45 | $560.12 | $782.77 | $1,189.50 |
| Robeson County | $438.28 | $497.45 | $560.12 | $782.77 | $1,189.50 |
| Sampson County | $438.28 | $497.45 | $560.12 | $782.77 | $1,189.50 |
| Scotland County | $438.28 | $497.45 | $560.12 | $782.77 | $1,189.50 |
| Alamance County | $473.72 | $537.67 | $605.41 | $846.06 | $1,285.67 |
| Orange County | $473.72 | $537.67 | $605.41 | $846.06 | $1,285.67 |
| Brunswick County | $490.49 | $556.71 | $626.85 | $876.02 | $1,331.19 |
| Columbus County | $490.49 | $556.71 | $626.85 | $876.02 | $1,331.19 |
| Duplin County | $490.49 | $556.71 | $626.85 | $876.02 | $1,331.19 |
| New Hanover County | $490.49 | $556.71 | $626.85 | $876.02 | $1,331.19 |
| Pender County | $490.49 | $556.71 | $626.85 | $876.02 | $1,331.19 |
| Haywood County | $493.71 | $560.37 | $630.97 | $881.77 | $1,339.94 |
| Henderson County | $493.71 | $560.37 | $630.97 | $881.77 | $1,339.94 |
| Jackson County | $493.71 | $560.37 | $630.97 | $881.77 | $1,339.94 |
| Rutherford County | $493.71 | $560.37 | $630.97 | $881.77 | $1,339.94 |
| Alexander County | $499.14 | $566.53 | $637.91 | $891.47 | $1,354.68 |
| Burke County | $499.14 | $566.53 | $637.91 | $891.47 | $1,354.68 |
| Caldwell County | $499.14 | $566.53 | $637.91 | $891.47 | $1,354.68 |
| Catawba County | $499.14 | $566.53 | $637.91 | $891.47 | $1,354.68 |
| Iredell County | $499.14 | $566.53 | $637.91 | $891.47 | $1,354.68 |
| Mecklenburg County | $521.81 | $592.26 | $666.88 | $931.96 | $1,416.20 |
| Davidson County | $521.91 | $592.37 | $667 | $932.13 | $1,416.46 |
| Davie County | $521.91 | $592.37 | $667 | $932.13 | $1,416.46 |
| Forsyth County | $521.91 | $592.37 | $667 | $932.13 | $1,416.46 |
| Stokes County | $521.91 | $592.37 | $667 | $932.13 | $1,416.46 |
| Surry County | $521.91 | $592.37 | $667 | $932.13 | $1,416.46 |
| Yadkin County | $521.91 | $592.37 | $667 | $932.13 | $1,416.46 |
| Guilford County | $530.27 | $601.86 | $677.69 | $947.06 | $1,439.16 |
| Randolph County | $530.27 | $601.86 | $677.69 | $947.06 | $1,439.16 |
| Rockingham County | $530.27 | $601.86 | $677.69 | $947.06 | $1,439.16 |
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.