UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) — full price in Guilford County, North Carolina (2026)
UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) (54332NC0030040), a gold plan from UnitedHealthcare in Guilford County, North Carolina, costs $1067.15/month full price for a 40-year-old in 2026 — $2266.22 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 | $835.01 |
| 27 | $875.09 |
| 30 | $947.74 |
| 40 | $1067.15 |
| 50 | $1491.33 |
| 60 | $2266.22 |
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 $548.04/mo. This plan is $1067.15/mo at 40 — a difference of $519.11/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 Guilford County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold with Atrium Health | Ambetter of North Carolina | $560.81 |
| Standard Gold with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $579.68 |
| Complete Gold with Atrium Health | Ambetter of North Carolina | $586.29 |
| Complete Gold with Atrium Health + Vision + Adult Dental | Ambetter of North Carolina | $606.01 |
| AmeriHealth Caritas Next Gold Signature + No Referrals | AmeriHealth Caritas Next | $623.19 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54332NC0030040 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.