UnitedHealthcare in North Carolina health insurance (2026)
UnitedHealthcare sells 13 marketplace plans in 37 of 100 North Carolina counties for 2026, from $511/mo; typical Silver $883/mo, before tax credits. Buy on HealthCare.gov.
Plan year 2026 prices (2027 prices will be added as soon as CMS publishes them). Monthly premium for one 40-year-old, before any tax credit (subsidy).
Who needs coverage?
Showing prices for one 40-year-old. Add everyone on the plan to see your household's price; every insurance price on this page updates.
Each person is priced by age using this state's official age curve; only the three oldest children under 21 are charged. Out-of-pocket maximums and bad years use the family maximum (twice the individual amount for nearly every plan); deductibles are shown per person. How we calculate this
UnitedHealthcare plans in North Carolina
- Bronze $511–$705
- Silver $745–$973
- Gold $826–$1,092
| Plan | Network | Monthly | Deductible | Out-of-pocket max | Bad year | Details |
|---|---|---|---|---|---|---|
| Bronze 4 plans · $511–$705/mo | ||||||
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals | HMO | $511–$642in 37 counties | $10,600 | $10,600 | $16,734–$18,299 | Benefits summary Find doctors |
| UHC Bronze Standard (No Referrals) Expanded Bronze | HMO | $540–$678in 37 counties | $7,500 | $10,000 | $16,479–$18,132 | Benefits summary Find doctors |
| UHC Bronze Standard+ Dental + Vision (No Referrals) Expanded Bronze | HMO | $560–$703in 37 counties | $7,500 | $10,000 | $16,721–$18,436 | Benefits summary Find doctors |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) Expanded Bronze | HMO | $561–$705in 37 counties | $0 | $10,600 | $17,337–$19,056 | Benefits summary Find doctors |
| Silver 5 plans · $745–$973/mo | ||||||
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) | HMO | $745–$935in 37 counties | $3,550 | $10,000 | $18,940–$21,221 | Benefits summary Find doctors |
| UHC Silver Standard (No Referrals) | HMO | $746–$937in 37 counties | $6,000 | $8,900 | $17,857–$20,142 | Benefits summary Find doctors |
| UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | HMO | $755–$948in 37 counties | $2,500 | $10,150 | $19,214–$21,526 | Benefits summary Find doctors |
| UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | HMO | $765–$960in 37 counties | $3,550 | $10,000 | $19,182–$21,525 | Benefits summary Find doctors |
| UHC Silver Advantage + ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | HMO | $776–$973in 37 counties | $2,500 | $10,150 | $19,456–$21,830 | Benefits summary Find doctors |
| Gold 4 plans · $826–$1,092/mo | ||||||
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | HMO | $826–$1,037in 37 counties | $0 | $10,600 | $20,515–$23,045 | Benefits summary Find doctors |
| UHC Gold Standard (No Referrals) | HMO | $830–$1,042in 37 counties | $2,000 | $8,200 | $18,165–$20,708 | Benefits summary Find doctors |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) | HMO | $850–$1,067in 37 counties | $750 | $9,200 | $19,403–$22,006 | Benefits summary Find doctors |
| UHC Gold Advantage + ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) | HMO | $870–$1,092in 37 counties | $750 | $9,200 | $19,645–$22,309 | Benefits summary Find doctors |
Each plan's price range runs across the counties where it is sold. Open a county for exact prices and to compare, save or check a plan.
Where UnitedHealthcare sells plans
| County | Plans | Price range | Typical Silver |
|---|---|---|---|
| Alamance County | 13 | $573–$976 | $847 |
| Alexander County | 13 | $604–$1,028 | $892 |
| Bladen County | 13 | $530–$903 | $784 |
| Brunswick County | 13 | $593–$1,010 | $877 |
| Burke County | 13 | $604–$1,028 | $892 |
| Caldwell County | 13 | $604–$1,028 | $892 |
| Catawba County | 13 | $604–$1,028 | $892 |
| Columbus County | 13 | $593–$1,010 | $877 |
| Cumberland County | 13 | $530–$903 | $784 |
| Davidson County | 13 | $631–$1,075 | $933 |
| Davie County | 13 | $631–$1,075 | $933 |
| Duplin County | 13 | $593–$1,010 | $877 |
| Forsyth County | 13 | $631–$1,075 | $933 |
| Franklin County | 13 | $511–$870 | $755 |
| Guilford County | 13 | $642–$1,092 | $948 |
| Harnett County | 13 | $530–$903 | $784 |
| Haywood County | 13 | $597–$1,017 | $883 |
| Henderson County | 13 | $597–$1,017 | $883 |
| Hoke County | 13 | $530–$903 | $784 |
| Iredell County | 13 | $604–$1,028 | $892 |
| Jackson County | 13 | $597–$1,017 | $883 |
| Johnston County | 13 | $511–$870 | $755 |
| Mecklenburg County | 13 | $631–$1,075 | $933 |
| New Hanover County | 13 | $593–$1,010 | $877 |
| Orange County | 13 | $573–$976 | $847 |
| Pender County | 13 | $593–$1,010 | $877 |
| Randolph County | 13 | $642–$1,092 | $948 |
| Richmond County | 13 | $530–$903 | $784 |
| Robeson County | 13 | $530–$903 | $784 |
| Rockingham County | 13 | $642–$1,092 | $948 |
| Rutherford County | 13 | $597–$1,017 | $883 |
| Sampson County | 13 | $530–$903 | $784 |
| Scotland County | 13 | $530–$903 | $784 |
| Stokes County | 13 | $631–$1,075 | $933 |
| Surry County | 13 | $631–$1,075 | $933 |
| Wake County | 13 | $511–$870 | $755 |
| Yadkin County | 13 | $631–$1,075 | $933 |
Other insurers in North Carolina
- Oscar Health Silver $635/mo
- Ambetter (Centene) Silver $650/mo
- AmeriHealth Caritas Next Silver $722/mo
- Blue Cross and Blue Shield of NC Silver $834/mo
- Cigna Healthcare Silver $906/mo
All North Carolina prices · Sorted by typical Silver price.
Frequently asked questions
How much does UnitedHealthcare health insurance cost in North Carolina?
For plan year 2026, UnitedHealthcare marketplace plans in North Carolina cost $511 to $1,092 a month for one 40-year-old before tax credits (Catastrophic plans not counted). Typical (median) prices by metal level: Bronze $631, Silver $883, Gold $984. Prices depend on the county.
What is the cheapest UnitedHealthcare plan in North Carolina?
UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals (Bronze), from $511 a month for a 40-year-old before tax credits, in the county where it costs least.
Where does UnitedHealthcare sell marketplace plans in North Carolina?
In 37 of North Carolina's 100 counties, including Alamance County, Alexander County, Bladen County, Brunswick County, Burke County, Caldwell County and others.
How do I buy a UnitedHealthcare plan in North Carolina?
On HealthCare.gov (https://www.healthcare.gov/see-plans/), the official marketplace for North Carolina, where you also apply for a tax credit. HealthCoveragePrices does not sell plans.