UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) — full price in Cumberland County, North Carolina (2026)
UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) (54332NC0030040), a gold plan from UnitedHealthcare in Cumberland County, North Carolina, costs $882.02/month full price for a 40-year-old in 2026 — $1873.09 at 60, with a $750 deductible and $9,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 54332NC0030040 · 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 | $690.16 |
| 27 | $723.28 |
| 30 | $783.33 |
| 40 | $882.02 |
| 50 | $1232.62 |
| 60 | $1873.09 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $750
- Family deductible: $1,500
- Individual out-of-pocket max: $9,200
- Family out-of-pocket max: $18,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $649.06/mo. This plan is $882.02/mo at 40 — a difference of $232.96/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 gold plans in Cumberland County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter of North Carolina | $670.98 |
| Standard Gold + Vision + Adult Dental | Ambetter of North Carolina | $693.56 |
| Complete Gold | Ambetter of North Carolina | $701.46 |
| Complete Gold + Vision + Adult Dental | Ambetter of North Carolina | $725.06 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | UnitedHealthcare | $857.16 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54332NC0030040 in FIPS 37051.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cumberland County
Reviewed by Jason Burns, Editorial Steward.