UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Orange County, North Carolina (2026)
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) (54332NC0030033), a expanded bronze plan from UnitedHealthcare in Orange County, North Carolina, costs $629.50/month full price for a 40-year-old in 2026 — $1336.83 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 54332NC0030033 · 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 | $492.57 |
| 27 | $516.21 |
| 30 | $559.06 |
| 40 | $629.50 |
| 50 | $879.73 |
| 60 | $1336.83 |
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 $609.55/mo. This plan is $629.50/mo at 40 — a difference of $19.95/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 expanded bronze plans in Orange County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $459.93 |
| Blue Home Bronze Standard | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $478.46 |
| Blue Home Bronze Complete | $60 PCP | $20 Tier 1 Rx | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $484.89 |
| Everyday Bronze | Ambetter of North Carolina | $489.22 |
| Standard Expanded Bronze | Ambetter of North Carolina | $491.12 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54332NC0030033 in FIPS 37135.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Orange County
Reviewed by Jason Burns, Editorial Steward.