UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) — full price in Rutherford County, North Carolina (2026)
UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) (54332NC0030039), a silver plan from UnitedHealthcare in Rutherford County, North Carolina, costs $882.68/month full price for a 40-year-old in 2026 — $1874.49 at 60, with a $2,500 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 54332NC0030039 · 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 | $690.68 |
| 27 | $723.83 |
| 30 | $783.92 |
| 40 | $882.68 |
| 50 | $1233.55 |
| 60 | $1874.49 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,500
- Family deductible: $5,000
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $702.41/mo. This plan is $882.68/mo at 40 — a difference of $180.27/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 silver plans in Rutherford County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clear Silver with $0 Insulin Options | Ambetter of North Carolina | $702.19 |
| Standard Silver | Ambetter of North Carolina | $702.41 |
| Enhanced Asthma/COPD Care Silver with $0 Drug Options | Ambetter of North Carolina | $720.76 |
| AmeriHealth Caritas Next Silver Essential + No Referrals | AmeriHealth Caritas Next | $722.43 |
| Standard Silver + Vision + Adult Dental | Ambetter of North Carolina | $726.04 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54332NC0030039 in FIPS 37161.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Rutherford County
Reviewed by Jason Burns, Editorial Steward.