UHC Silver Advantage + ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals)
Silver · HMO · UnitedHealthcare · North Carolina
At age 40 it costs between $775.50 and $973.34 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 | 54332NC0060006 |
|---|---|
| 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 | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 97.15% |
| 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 | $606.80 | $688.72 | $775.50 | $1,083.75 | $1,646.87 |
| Johnston County | $606.80 | $688.72 | $775.50 | $1,083.75 | $1,646.87 |
| Wake County | $606.80 | $688.72 | $775.50 | $1,083.75 | $1,646.87 |
| Bladen County | $629.49 | $714.47 | $804.49 | $1,124.27 | $1,708.43 |
| Cumberland County | $629.49 | $714.47 | $804.49 | $1,124.27 | $1,708.43 |
| Harnett County | $629.49 | $714.47 | $804.49 | $1,124.27 | $1,708.43 |
| Hoke County | $629.49 | $714.47 | $804.49 | $1,124.27 | $1,708.43 |
| Richmond County | $629.49 | $714.47 | $804.49 | $1,124.27 | $1,708.43 |
| Robeson County | $629.49 | $714.47 | $804.49 | $1,124.27 | $1,708.43 |
| Sampson County | $629.49 | $714.47 | $804.49 | $1,124.27 | $1,708.43 |
| Scotland County | $629.49 | $714.47 | $804.49 | $1,124.27 | $1,708.43 |
| Alamance County | $680.39 | $772.24 | $869.53 | $1,215.17 | $1,846.57 |
| Orange County | $680.39 | $772.24 | $869.53 | $1,215.17 | $1,846.57 |
| Brunswick County | $704.48 | $799.58 | $900.32 | $1,258.19 | $1,911.95 |
| Columbus County | $704.48 | $799.58 | $900.32 | $1,258.19 | $1,911.95 |
| Duplin County | $704.48 | $799.58 | $900.32 | $1,258.19 | $1,911.95 |
| New Hanover County | $704.48 | $799.58 | $900.32 | $1,258.19 | $1,911.95 |
| Pender County | $704.48 | $799.58 | $900.32 | $1,258.19 | $1,911.95 |
| Haywood County | $709.10 | $804.83 | $906.24 | $1,266.46 | $1,924.51 |
| Henderson County | $709.10 | $804.83 | $906.24 | $1,266.46 | $1,924.51 |
| Jackson County | $709.10 | $804.83 | $906.24 | $1,266.46 | $1,924.51 |
| Rutherford County | $709.10 | $804.83 | $906.24 | $1,266.46 | $1,924.51 |
| Alexander County | $716.90 | $813.69 | $916.20 | $1,280.39 | $1,945.68 |
| Burke County | $716.90 | $813.69 | $916.20 | $1,280.39 | $1,945.68 |
| Caldwell County | $716.90 | $813.69 | $916.20 | $1,280.39 | $1,945.68 |
| Catawba County | $716.90 | $813.69 | $916.20 | $1,280.39 | $1,945.68 |
| Iredell County | $716.90 | $813.69 | $916.20 | $1,280.39 | $1,945.68 |
| Mecklenburg County | $749.46 | $850.64 | $957.81 | $1,338.54 | $2,034.04 |
| Davidson County | $749.60 | $850.80 | $957.99 | $1,338.79 | $2,034.42 |
| Davie County | $749.60 | $850.80 | $957.99 | $1,338.79 | $2,034.42 |
| Forsyth County | $749.60 | $850.80 | $957.99 | $1,338.79 | $2,034.42 |
| Stokes County | $749.60 | $850.80 | $957.99 | $1,338.79 | $2,034.42 |
| Surry County | $749.60 | $850.80 | $957.99 | $1,338.79 | $2,034.42 |
| Yadkin County | $749.60 | $850.80 | $957.99 | $1,338.79 | $2,034.42 |
| Guilford County | $761.61 | $864.43 | $973.34 | $1,360.24 | $2,067.01 |
| Randolph County | $761.61 | $864.43 | $973.34 | $1,360.24 | $2,067.01 |
| Rockingham County | $761.61 | $864.43 | $973.34 | $1,360.24 | $2,067.01 |
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.