UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Henderson County, North Carolina (2026)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) (54332NC0030035), a gold plan from UnitedHealthcare in Henderson County, North Carolina, costs $965.57/month full price for a 40-year-old in 2026 — $2050.51 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 54332NC0030035 · 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 | $755.53 |
| 27 | $791.80 |
| 30 | $857.53 |
| 40 | $965.57 |
| 50 | $1349.38 |
| 60 | $2050.51 |
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 $728.62/mo. This plan is $965.57/mo at 40 — a difference of $236.95/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 gold plans in Henderson County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| AmeriHealth Caritas Next Gold Signature + No Referrals | AmeriHealth Caritas Next | $745.92 |
| AmeriHealth Caritas Next Gold Premier + No Referrals | AmeriHealth Caritas Next | $774.79 |
| Blue Care Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Statewide Doctors | Blue Cross and Blue Shield of NC | $849.14 |
| Blue Care Gold Standard A | Statewide Doctors | Blue Cross and Blue Shield of NC | $859.76 |
| Blue Advantage Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | Nationwide Doctors | Blue Cross and Blue Shield of NC | $875.21 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54332NC0030035 in FIPS 37089.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Henderson County
Reviewed by Jason Burns, Editorial Steward.