UHC Silver Advantage + ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) — full price in Wake County, North Carolina (2026)
UHC Silver Advantage + ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) (54332NC0060006), a silver plan from UnitedHealthcare in Wake County, North Carolina, costs $775.50/month full price for a 40-year-old in 2026 — $1646.87 at 60, with a $2,500 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 54332NC0060006 · 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 | $606.80 |
| 27 | $635.93 |
| 30 | $688.72 |
| 40 | $775.50 |
| 50 | $1083.75 |
| 60 | $1646.87 |
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 $590.76/mo. This plan is $775.50/mo at 40 — a difference of $184.74/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 Wake County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $584.30 |
| Blue Home Silver Standard | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $590.76 |
| Blue Home Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with UNC Health Alliance | Blue Cross and Blue Shield of NC | $603.94 |
| Clear Silver with $0 Insulin Options | Ambetter of North Carolina | $626.39 |
| Standard Silver | Ambetter of North Carolina | $626.58 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54332NC0060006 in FIPS 37183.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Wake County
Reviewed by Jason Burns, Editorial Steward.