UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
Gold · HMO · UnitedHealthcare · North Carolina
At age 40 it costs between $826.27 and $1,037.06 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 | 54332NC0030035 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $500 |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $20 |
| Specialist visit | $60 |
| Emergency room | $750 |
| Inpatient stay | $2,000 Copay per Day |
| Generic drugs | $5 |
| Preferred brand drugs | $50 |
| 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 | $646.53 | $733.81 | $826.27 | $1,154.71 | $1,754.69 |
| Johnston County | $646.53 | $733.81 | $826.27 | $1,154.71 | $1,754.69 |
| Wake County | $646.53 | $733.81 | $826.27 | $1,154.71 | $1,754.69 |
| Bladen County | $670.70 | $761.25 | $857.16 | $1,197.87 | $1,820.28 |
| Cumberland County | $670.70 | $761.25 | $857.16 | $1,197.87 | $1,820.28 |
| Harnett County | $670.70 | $761.25 | $857.16 | $1,197.87 | $1,820.28 |
| Hoke County | $670.70 | $761.25 | $857.16 | $1,197.87 | $1,820.28 |
| Richmond County | $670.70 | $761.25 | $857.16 | $1,197.87 | $1,820.28 |
| Robeson County | $670.70 | $761.25 | $857.16 | $1,197.87 | $1,820.28 |
| Sampson County | $670.70 | $761.25 | $857.16 | $1,197.87 | $1,820.28 |
| Scotland County | $670.70 | $761.25 | $857.16 | $1,197.87 | $1,820.28 |
| Alamance County | $724.93 | $822.80 | $926.46 | $1,294.73 | $1,967.46 |
| Orange County | $724.93 | $822.80 | $926.46 | $1,294.73 | $1,967.46 |
| Brunswick County | $750.60 | $851.93 | $959.26 | $1,340.57 | $2,037.12 |
| Columbus County | $750.60 | $851.93 | $959.26 | $1,340.57 | $2,037.12 |
| Duplin County | $750.60 | $851.93 | $959.26 | $1,340.57 | $2,037.12 |
| New Hanover County | $750.60 | $851.93 | $959.26 | $1,340.57 | $2,037.12 |
| Pender County | $750.60 | $851.93 | $959.26 | $1,340.57 | $2,037.12 |
| Haywood County | $755.53 | $857.53 | $965.57 | $1,349.38 | $2,050.51 |
| Henderson County | $755.53 | $857.53 | $965.57 | $1,349.38 | $2,050.51 |
| Jackson County | $755.53 | $857.53 | $965.57 | $1,349.38 | $2,050.51 |
| Rutherford County | $755.53 | $857.53 | $965.57 | $1,349.38 | $2,050.51 |
| Alexander County | $763.84 | $866.96 | $976.19 | $1,364.22 | $2,073.06 |
| Burke County | $763.84 | $866.96 | $976.19 | $1,364.22 | $2,073.06 |
| Caldwell County | $763.84 | $866.96 | $976.19 | $1,364.22 | $2,073.06 |
| Catawba County | $763.84 | $866.96 | $976.19 | $1,364.22 | $2,073.06 |
| Iredell County | $763.84 | $866.96 | $976.19 | $1,364.22 | $2,073.06 |
| Mecklenburg County | $798.53 | $906.33 | $1,020.52 | $1,426.18 | $2,167.21 |
| Davidson County | $798.68 | $906.50 | $1,020.71 | $1,426.44 | $2,167.61 |
| Davie County | $798.68 | $906.50 | $1,020.71 | $1,426.44 | $2,167.61 |
| Forsyth County | $798.68 | $906.50 | $1,020.71 | $1,426.44 | $2,167.61 |
| Stokes County | $798.68 | $906.50 | $1,020.71 | $1,426.44 | $2,167.61 |
| Surry County | $798.68 | $906.50 | $1,020.71 | $1,426.44 | $2,167.61 |
| Yadkin County | $798.68 | $906.50 | $1,020.71 | $1,426.44 | $2,167.61 |
| Guilford County | $811.47 | $921.02 | $1,037.06 | $1,449.29 | $2,202.34 |
| Randolph County | $811.47 | $921.02 | $1,037.06 | $1,449.29 | $2,202.34 |
| Rockingham County | $811.47 | $921.02 | $1,037.06 | $1,449.29 | $2,202.34 |
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.