UHC Silver Value ($0 Virtual Urgent Care, No Referrals) — full price in Caldwell County, North Carolina (2026)
UHC Silver Value ($0 Virtual Urgent Care, No Referrals) (54332NC0030020), a silver plan from UnitedHealthcare in Caldwell County, North Carolina, costs $880.22/month full price for a 40-year-old in 2026 — $1869.26 at 60, with a $3,550 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 54332NC0030020 · Issuer: UnitedHealthcare · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $688.75 |
| 27 | $721.81 |
| 30 | $781.73 |
| 40 | $880.22 |
| 50 | $1230.10 |
| 60 | $1869.26 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,550
- Family deductible: $7,100
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $595.78/mo. This plan is $880.22/mo at 40 — a difference of $284.44/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
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Other silver plans in Caldwell County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clear Silver with $0 Insulin Options | Ambetter of North Carolina | $595.59 |
| Standard Silver | Ambetter of North Carolina | $595.78 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options | Ambetter of North Carolina | $611.34 |
| Standard Silver + Vision + Adult Dental | Ambetter of North Carolina | $615.82 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options + Vision + Adult Dental | Ambetter of North Carolina | $631.91 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54332NC0030020 in FIPS 37027.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Caldwell County
Reviewed by Jason Burns, Editorial Steward.