UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)
Silver · HMO · UnitedHealthcare · North Carolina
At age 40 it costs between $755.34 and $948.04 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 | $2,500 | $10,150 | $30 | $3 |
| up to 150% of the federal poverty level | $150 | $1,700 | No Charge | $1 |
| 150% to 200% | $850 | $3,050 | $15 | $2 |
| 200% to 250% | $2,100 | $8,100 | $30 | $3 |
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 | 54332NC0030039 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $2,500 |
| Deductible (family) | $5,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | $30 |
| Specialist visit | $100 |
| Emergency room | $1,000 Copay after deductible |
| Inpatient stay | 30% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $50 Copay 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 | $591.03 | $670.82 | $755.34 | $1,055.59 | $1,604.07 |
| Johnston County | $591.03 | $670.82 | $755.34 | $1,055.59 | $1,604.07 |
| Wake County | $591.03 | $670.82 | $755.34 | $1,055.59 | $1,604.07 |
| Bladen County | $613.13 | $695.90 | $783.58 | $1,095.05 | $1,664.03 |
| Cumberland County | $613.13 | $695.90 | $783.58 | $1,095.05 | $1,664.03 |
| Harnett County | $613.13 | $695.90 | $783.58 | $1,095.05 | $1,664.03 |
| Hoke County | $613.13 | $695.90 | $783.58 | $1,095.05 | $1,664.03 |
| Richmond County | $613.13 | $695.90 | $783.58 | $1,095.05 | $1,664.03 |
| Robeson County | $613.13 | $695.90 | $783.58 | $1,095.05 | $1,664.03 |
| Sampson County | $613.13 | $695.90 | $783.58 | $1,095.05 | $1,664.03 |
| Scotland County | $613.13 | $695.90 | $783.58 | $1,095.05 | $1,664.03 |
| Alamance County | $662.70 | $752.17 | $846.94 | $1,183.59 | $1,798.58 |
| Orange County | $662.70 | $752.17 | $846.94 | $1,183.59 | $1,798.58 |
| Brunswick County | $686.17 | $778.80 | $876.92 | $1,225.49 | $1,862.26 |
| Columbus County | $686.17 | $778.80 | $876.92 | $1,225.49 | $1,862.26 |
| Duplin County | $686.17 | $778.80 | $876.92 | $1,225.49 | $1,862.26 |
| New Hanover County | $686.17 | $778.80 | $876.92 | $1,225.49 | $1,862.26 |
| Pender County | $686.17 | $778.80 | $876.92 | $1,225.49 | $1,862.26 |
| Haywood County | $690.68 | $783.92 | $882.68 | $1,233.55 | $1,874.49 |
| Henderson County | $690.68 | $783.92 | $882.68 | $1,233.55 | $1,874.49 |
| Jackson County | $690.68 | $783.92 | $882.68 | $1,233.55 | $1,874.49 |
| Rutherford County | $690.68 | $783.92 | $882.68 | $1,233.55 | $1,874.49 |
| Alexander County | $698.27 | $792.54 | $892.39 | $1,247.12 | $1,895.11 |
| Burke County | $698.27 | $792.54 | $892.39 | $1,247.12 | $1,895.11 |
| Caldwell County | $698.27 | $792.54 | $892.39 | $1,247.12 | $1,895.11 |
| Catawba County | $698.27 | $792.54 | $892.39 | $1,247.12 | $1,895.11 |
| Iredell County | $698.27 | $792.54 | $892.39 | $1,247.12 | $1,895.11 |
| Mecklenburg County | $729.99 | $828.53 | $932.92 | $1,303.76 | $1,981.18 |
| Davidson County | $730.12 | $828.69 | $933.09 | $1,304 | $1,981.55 |
| Davie County | $730.12 | $828.69 | $933.09 | $1,304 | $1,981.55 |
| Forsyth County | $730.12 | $828.69 | $933.09 | $1,304 | $1,981.55 |
| Stokes County | $730.12 | $828.69 | $933.09 | $1,304 | $1,981.55 |
| Surry County | $730.12 | $828.69 | $933.09 | $1,304 | $1,981.55 |
| Yadkin County | $730.12 | $828.69 | $933.09 | $1,304 | $1,981.55 |
| Guilford County | $741.82 | $841.96 | $948.04 | $1,324.89 | $2,013.29 |
| Randolph County | $741.82 | $841.96 | $948.04 | $1,324.89 | $2,013.29 |
| Rockingham County | $741.82 | $841.96 | $948.04 | $1,324.89 | $2,013.29 |
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.