UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals)
Gold · HMO · UnitedHealthcare · North Carolina
At age 40 it costs between $850.24 and $1,067.15 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 | 54332NC0030040 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $750 |
| Deductible (family) | $1,500 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,200 |
| Family maximum | $18,400 |
| Primary care visit | $15 |
| Specialist visit | $50 |
| Emergency room | 20% Coinsurance after deductible |
| Inpatient stay | 20% Coinsurance after deductible |
| Generic drugs | $1 |
| Preferred brand drugs | $30 |
| Specialty drugs | 40% 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 | $665.29 | $755.10 | $850.24 | $1,188.20 | $1,805.59 |
| Johnston County | $665.29 | $755.10 | $850.24 | $1,188.20 | $1,805.59 |
| Wake County | $665.29 | $755.10 | $850.24 | $1,188.20 | $1,805.59 |
| Bladen County | $690.16 | $783.33 | $882.02 | $1,232.62 | $1,873.09 |
| Cumberland County | $690.16 | $783.33 | $882.02 | $1,232.62 | $1,873.09 |
| Harnett County | $690.16 | $783.33 | $882.02 | $1,232.62 | $1,873.09 |
| Hoke County | $690.16 | $783.33 | $882.02 | $1,232.62 | $1,873.09 |
| Richmond County | $690.16 | $783.33 | $882.02 | $1,232.62 | $1,873.09 |
| Robeson County | $690.16 | $783.33 | $882.02 | $1,232.62 | $1,873.09 |
| Sampson County | $690.16 | $783.33 | $882.02 | $1,232.62 | $1,873.09 |
| Scotland County | $690.16 | $783.33 | $882.02 | $1,232.62 | $1,873.09 |
| Alamance County | $745.96 | $846.66 | $953.34 | $1,332.28 | $2,024.54 |
| Orange County | $745.96 | $846.66 | $953.34 | $1,332.28 | $2,024.54 |
| Brunswick County | $772.37 | $876.64 | $987.09 | $1,379.46 | $2,096.22 |
| Columbus County | $772.37 | $876.64 | $987.09 | $1,379.46 | $2,096.22 |
| Duplin County | $772.37 | $876.64 | $987.09 | $1,379.46 | $2,096.22 |
| New Hanover County | $772.37 | $876.64 | $987.09 | $1,379.46 | $2,096.22 |
| Pender County | $772.37 | $876.64 | $987.09 | $1,379.46 | $2,096.22 |
| Haywood County | $777.45 | $882.40 | $993.58 | $1,388.52 | $2,109.99 |
| Henderson County | $777.45 | $882.40 | $993.58 | $1,388.52 | $2,109.99 |
| Jackson County | $777.45 | $882.40 | $993.58 | $1,388.52 | $2,109.99 |
| Rutherford County | $777.45 | $882.40 | $993.58 | $1,388.52 | $2,109.99 |
| Alexander County | $786 | $892.11 | $1,004.51 | $1,403.79 | $2,133.20 |
| Burke County | $786 | $892.11 | $1,004.51 | $1,403.79 | $2,133.20 |
| Caldwell County | $786 | $892.11 | $1,004.51 | $1,403.79 | $2,133.20 |
| Catawba County | $786 | $892.11 | $1,004.51 | $1,403.79 | $2,133.20 |
| Iredell County | $786 | $892.11 | $1,004.51 | $1,403.79 | $2,133.20 |
| Mecklenburg County | $821.70 | $932.62 | $1,050.13 | $1,467.55 | $2,230.08 |
| Davidson County | $821.85 | $932.80 | $1,050.32 | $1,467.82 | $2,230.49 |
| Davie County | $821.85 | $932.80 | $1,050.32 | $1,467.82 | $2,230.49 |
| Forsyth County | $821.85 | $932.80 | $1,050.32 | $1,467.82 | $2,230.49 |
| Stokes County | $821.85 | $932.80 | $1,050.32 | $1,467.82 | $2,230.49 |
| Surry County | $821.85 | $932.80 | $1,050.32 | $1,467.82 | $2,230.49 |
| Yadkin County | $821.85 | $932.80 | $1,050.32 | $1,467.82 | $2,230.49 |
| Guilford County | $835.01 | $947.74 | $1,067.15 | $1,491.33 | $2,266.22 |
| Randolph County | $835.01 | $947.74 | $1,067.15 | $1,491.33 | $2,266.22 |
| Rockingham County | $835.01 | $947.74 | $1,067.15 | $1,491.33 | $2,266.22 |
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.