UHC Silver Value ($0 Virtual Urgent Care, No Referrals) — full price in Mecklenburg County, North Carolina (2026)
UHC Silver Value ($0 Virtual Urgent Care, No Referrals) (54332NC0030020), a silver plan from UnitedHealthcare in Mecklenburg County, North Carolina, costs $920.20/month full price for a 40-year-old in 2026 — $1954.16 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 | $720.03 |
| 27 | $754.59 |
| 30 | $817.23 |
| 40 | $920.20 |
| 50 | $1285.97 |
| 60 | $1954.16 |
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 $582.84/mo. This plan is $920.20/mo at 40 — a difference of $337.36/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 Mecklenburg County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Simple PCP Saver | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $575.12 |
| Silver Classic Standard | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $582.84 |
| Silver Simple Diabetes | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $583.68 |
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Novant Health | Blue Cross and Blue Shield of NC | $585.82 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health | Oscar Health Plan of North Carolina, Inc | $586.08 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54332NC0030020 in FIPS 37119.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Mecklenburg County
Reviewed by Jason Burns, Editorial Steward.