UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Robeson 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 Robeson County, North Carolina, costs $857.16/month full price for a 40-year-old in 2026 — $1820.28 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 | $670.70 |
| 27 | $702.89 |
| 30 | $761.25 |
| 40 | $857.16 |
| 50 | $1197.87 |
| 60 | $1820.28 |
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 $649.06/mo. This plan is $857.16/mo at 40 — a difference of $208.10/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 Robeson County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter of North Carolina | $670.98 |
| Standard Gold + Vision + Adult Dental | Ambetter of North Carolina | $693.56 |
| Complete Gold | Ambetter of North Carolina | $701.46 |
| Complete Gold + Vision + Adult Dental | Ambetter of North Carolina | $725.06 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $861.49 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54332NC0030035 in FIPS 37155.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Robeson County
Reviewed by Jason Burns, Editorial Steward.