UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
Expanded Bronze · HMO · UnitedHealthcare · North Carolina
At age 40 it costs between $561.42 and $704.65 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 | 54332NC0030033 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Expanded Bronze |
| Plan type | HMO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $4,500 |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $55 |
| Specialist visit | $115 |
| Emergency room | $2,000 |
| Inpatient stay | $3,000 Copay per Day |
| Generic drugs | $20 |
| Preferred brand drugs | 40% Coinsurance after deductible |
| Specialty drugs | 50% Coinsurance 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 | $439.30 | $498.60 | $561.42 | $784.59 | $1,192.25 |
| Johnston County | $439.30 | $498.60 | $561.42 | $784.59 | $1,192.25 |
| Wake County | $439.30 | $498.60 | $561.42 | $784.59 | $1,192.25 |
| Bladen County | $455.72 | $517.24 | $582.41 | $813.92 | $1,236.83 |
| Cumberland County | $455.72 | $517.24 | $582.41 | $813.92 | $1,236.83 |
| Harnett County | $455.72 | $517.24 | $582.41 | $813.92 | $1,236.83 |
| Hoke County | $455.72 | $517.24 | $582.41 | $813.92 | $1,236.83 |
| Richmond County | $455.72 | $517.24 | $582.41 | $813.92 | $1,236.83 |
| Robeson County | $455.72 | $517.24 | $582.41 | $813.92 | $1,236.83 |
| Sampson County | $455.72 | $517.24 | $582.41 | $813.92 | $1,236.83 |
| Scotland County | $455.72 | $517.24 | $582.41 | $813.92 | $1,236.83 |
| Alamance County | $492.57 | $559.06 | $629.50 | $879.73 | $1,336.83 |
| Orange County | $492.57 | $559.06 | $629.50 | $879.73 | $1,336.83 |
| Brunswick County | $510.01 | $578.86 | $651.79 | $910.87 | $1,384.16 |
| Columbus County | $510.01 | $578.86 | $651.79 | $910.87 | $1,384.16 |
| Duplin County | $510.01 | $578.86 | $651.79 | $910.87 | $1,384.16 |
| New Hanover County | $510.01 | $578.86 | $651.79 | $910.87 | $1,384.16 |
| Pender County | $510.01 | $578.86 | $651.79 | $910.87 | $1,384.16 |
| Haywood County | $513.36 | $582.66 | $656.07 | $916.86 | $1,393.26 |
| Henderson County | $513.36 | $582.66 | $656.07 | $916.86 | $1,393.26 |
| Jackson County | $513.36 | $582.66 | $656.07 | $916.86 | $1,393.26 |
| Rutherford County | $513.36 | $582.66 | $656.07 | $916.86 | $1,393.26 |
| Alexander County | $519.01 | $589.07 | $663.29 | $926.94 | $1,408.58 |
| Burke County | $519.01 | $589.07 | $663.29 | $926.94 | $1,408.58 |
| Caldwell County | $519.01 | $589.07 | $663.29 | $926.94 | $1,408.58 |
| Catawba County | $519.01 | $589.07 | $663.29 | $926.94 | $1,408.58 |
| Iredell County | $519.01 | $589.07 | $663.29 | $926.94 | $1,408.58 |
| Mecklenburg County | $542.58 | $615.82 | $693.41 | $969.04 | $1,472.55 |
| Davidson County | $542.68 | $615.94 | $693.54 | $969.22 | $1,472.82 |
| Davie County | $542.68 | $615.94 | $693.54 | $969.22 | $1,472.82 |
| Forsyth County | $542.68 | $615.94 | $693.54 | $969.22 | $1,472.82 |
| Stokes County | $542.68 | $615.94 | $693.54 | $969.22 | $1,472.82 |
| Surry County | $542.68 | $615.94 | $693.54 | $969.22 | $1,472.82 |
| Yadkin County | $542.68 | $615.94 | $693.54 | $969.22 | $1,472.82 |
| Guilford County | $551.37 | $625.81 | $704.65 | $984.75 | $1,496.42 |
| Randolph County | $551.37 | $625.81 | $704.65 | $984.75 | $1,496.42 |
| Rockingham County | $551.37 | $625.81 | $704.65 | $984.75 | $1,496.42 |
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.