UHC Silver Value ($0 Virtual Urgent Care, No Referrals) — full price in Guilford County, North Carolina (2026)
UHC Silver Value ($0 Virtual Urgent Care, No Referrals) (54332NC0030020), a silver plan from UnitedHealthcare in Guilford County, North Carolina, costs $935.11/month full price for a 40-year-old in 2026 — $1985.83 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 | $731.70 |
| 27 | $766.82 |
| 30 | $830.48 |
| 40 | $935.11 |
| 50 | $1306.81 |
| 60 | $1985.83 |
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 $548.04/mo. This plan is $935.11/mo at 40 — a difference of $387.07/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other silver plans in Guilford County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver with Atrium Health | Ambetter of North Carolina | $542.49 |
| Focused Silver with Atrium Health | Ambetter of North Carolina | $548.04 |
| Standard Silver with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $560.74 |
| Focused Silver with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $566.48 |
| Silver Simple PCP Saver | Oscar Health Plan of North Carolina, Inc | $585.20 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54332NC0030020 in FIPS 37081.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Guilford County
Reviewed by Jason Burns, Editorial Steward.