UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Orange 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 Orange County, North Carolina, costs $926.46/month full price for a 40-year-old in 2026 — $1967.46 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 | $724.93 |
| 27 | $759.73 |
| 30 | $822.80 |
| 40 | $926.46 |
| 50 | $1294.73 |
| 60 | $1967.46 |
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 $926.46/mo at 40 — a difference of $316.91/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 Orange County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Home Gold Premier A | 3 Free PCP | $10 Tier 1 Rx | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $632.62 |
| Blue Home Gold Standard A | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $639.05 |
| Standard Gold | Ambetter of North Carolina | $650.20 |
| Standard Gold + Vision + Adult Dental | Ambetter of North Carolina | $672.08 |
| Complete Gold | Ambetter of North Carolina | $679.74 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54332NC0030035 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.