UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Columbus County, North Carolina (2026)
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) (54332NC0030033), a expanded bronze plan from UnitedHealthcare in Columbus County, North Carolina, costs $651.79/month full price for a 40-year-old in 2026 — $1384.16 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 54332NC0030033 · 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 | $510.01 |
| 27 | $534.49 |
| 30 | $578.86 |
| 40 | $651.79 |
| 50 | $910.87 |
| 60 | $1384.16 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $685.82/mo. This plan is $651.79/mo at 40 — a difference of $-34.03/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 expanded bronze plans in Columbus County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Everyday Bronze | Ambetter of North Carolina | $533.44 |
| Standard Expanded Bronze | Ambetter of North Carolina | $535.51 |
| Blue Value Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | Limited Statewide Doctors | Blue Cross and Blue Shield of NC | $551.14 |
| Everyday Bronze + Vision + Adult Dental | Ambetter of North Carolina | $551.39 |
| Standard Expanded Bronze + Vision + Adult Dental | Ambetter of North Carolina | $553.53 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54332NC0030033 in FIPS 37047.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Columbus County
Reviewed by Jason Burns, Editorial Steward.