UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals)
Silver · HMO · UnitedHealthcare · North Carolina
At age 40 it costs between $765.19 and $960.41 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 | $3,550 | $10,000 | $40 | $5 |
| up to 150% of the federal poverty level | $0 | $2,150 | $1 | $3 |
| 150% to 200% | $900 | $3,350 | $20 | $3 |
| 200% to 250% | $3,500 | $8,200 | $30 | $5 |
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 | 54332NC0060004 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $3,550 |
| Deductible (family) | $7,100 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,000 |
| Family maximum | $20,000 |
| Primary care visit | $40 |
| Specialist visit | $100 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $5 |
| Preferred brand drugs | $100 Copay after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 97.11% |
| 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 | $598.74 | $679.57 | $765.19 | $1,069.35 | $1,624.99 |
| Johnston County | $598.74 | $679.57 | $765.19 | $1,069.35 | $1,624.99 |
| Wake County | $598.74 | $679.57 | $765.19 | $1,069.35 | $1,624.99 |
| Bladen County | $621.12 | $704.98 | $793.80 | $1,109.33 | $1,685.73 |
| Cumberland County | $621.12 | $704.98 | $793.80 | $1,109.33 | $1,685.73 |
| Harnett County | $621.12 | $704.98 | $793.80 | $1,109.33 | $1,685.73 |
| Hoke County | $621.12 | $704.98 | $793.80 | $1,109.33 | $1,685.73 |
| Richmond County | $621.12 | $704.98 | $793.80 | $1,109.33 | $1,685.73 |
| Robeson County | $621.12 | $704.98 | $793.80 | $1,109.33 | $1,685.73 |
| Sampson County | $621.12 | $704.98 | $793.80 | $1,109.33 | $1,685.73 |
| Scotland County | $621.12 | $704.98 | $793.80 | $1,109.33 | $1,685.73 |
| Alamance County | $671.35 | $761.98 | $857.98 | $1,199.02 | $1,822.03 |
| Orange County | $671.35 | $761.98 | $857.98 | $1,199.02 | $1,822.03 |
| Brunswick County | $695.12 | $788.96 | $888.36 | $1,241.48 | $1,886.54 |
| Columbus County | $695.12 | $788.96 | $888.36 | $1,241.48 | $1,886.54 |
| Duplin County | $695.12 | $788.96 | $888.36 | $1,241.48 | $1,886.54 |
| New Hanover County | $695.12 | $788.96 | $888.36 | $1,241.48 | $1,886.54 |
| Pender County | $695.12 | $788.96 | $888.36 | $1,241.48 | $1,886.54 |
| Haywood County | $699.68 | $794.14 | $894.20 | $1,249.63 | $1,898.94 |
| Henderson County | $699.68 | $794.14 | $894.20 | $1,249.63 | $1,898.94 |
| Jackson County | $699.68 | $794.14 | $894.20 | $1,249.63 | $1,898.94 |
| Rutherford County | $699.68 | $794.14 | $894.20 | $1,249.63 | $1,898.94 |
| Alexander County | $707.38 | $802.88 | $904.03 | $1,263.38 | $1,919.83 |
| Burke County | $707.38 | $802.88 | $904.03 | $1,263.38 | $1,919.83 |
| Caldwell County | $707.38 | $802.88 | $904.03 | $1,263.38 | $1,919.83 |
| Catawba County | $707.38 | $802.88 | $904.03 | $1,263.38 | $1,919.83 |
| Iredell County | $707.38 | $802.88 | $904.03 | $1,263.38 | $1,919.83 |
| Mecklenburg County | $739.51 | $839.34 | $945.09 | $1,320.76 | $2,007.02 |
| Davidson County | $739.64 | $839.49 | $945.26 | $1,321 | $2,007.39 |
| Davie County | $739.64 | $839.49 | $945.26 | $1,321 | $2,007.39 |
| Forsyth County | $739.64 | $839.49 | $945.26 | $1,321 | $2,007.39 |
| Stokes County | $739.64 | $839.49 | $945.26 | $1,321 | $2,007.39 |
| Surry County | $739.64 | $839.49 | $945.26 | $1,321 | $2,007.39 |
| Yadkin County | $739.64 | $839.49 | $945.26 | $1,321 | $2,007.39 |
| Guilford County | $751.49 | $852.94 | $960.41 | $1,342.16 | $2,039.55 |
| Randolph County | $751.49 | $852.94 | $960.41 | $1,342.16 | $2,039.55 |
| Rockingham County | $751.49 | $852.94 | $960.41 | $1,342.16 | $2,039.55 |
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.