All plans in North Carolina Compare with subsidy estimate

BronzeHMOHSA Eligible

UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals

UnitedHealthcare

Starting at

$511

/month before subsidy

Key facts

UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals is a 2026 Bronze HMO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in North Carolina under plan ID 54332NC0030026. The monthly premium starts at $511 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $10,600 ($21,200 for a family), and the individual out-of-pocket maximum is $10,600 ($21,200 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID: 54332NC0030026
Plan year: 2026
State: North Carolina
Metal level: Bronze
Plan type: HMO
HSA-eligible: Yes

Individual Deductible

$10,600

Family: $21,200

Out-of-Pocket Max

$10,600

Family: $21,200

Coinsurance

You pay after deductible

Network Type

HMO

NCN011

Cost Sharing

What you pay for common services (after deductible unless noted)

Medical Services

Primary Care VisitNo Charge after deductible

Specialist VisitNo Charge after deductible

Urgent CareNo Charge after deductible

Emergency RoomNo Charge after deductible

Prescription Drugs

Generic DrugsNo Charge after deductible

Brand Name DrugsNo Charge after deductible

Specialty DrugsNo Charge after deductible

CMS Quality Rating

The federal government's star rating for this plan, based on clinical data and member surveys — the same rating shown on HealthCare.gov.

3.0overall

Medical care
Member experience: Not rated
Plan administration

What you'd typically pay

Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$10,660

your estimated cost

Deductible: $10,600
Copays: $0
Coinsurance: $0

Managing type 2 diabetes

A year of routine care

$1,100

your estimated cost

Deductible: $1,100
Copays: $0
Coinsurance: $0

A simple fracture

ER visit + follow-up

$2,800

your estimated cost

Deductible: $2,800
Copays: $0
Coinsurance: $0

Is your medication or doctor covered?

Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.

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Official Plan Documents

Published by UnitedHealthcare. These are the authoritative source for coverage details.

Summary of Benefits & Coverage (SBC)Standardized cost & coverage summary Plan BrochureFull plan details from the insurer Drug FormularyCovered prescriptions & drug tiers

Who This Plan Is Best For

This Bronze HMO plan is ideal for healthy individuals who want the lowest monthly premium and can handle higher out-of-pocket costs if they need care.

Consider this plan if you:

Rarely visit the doctor beyond annual checkups
Have savings to cover the $10,600 deductible if needed
Primarily need coverage for unexpected emergencies
Want to minimize monthly healthcare expenses

This summary is generated based on plan attributes for educational purposes only.

Worst-Case Monthly Cost

What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,394/month

Annual Premium

$6,132

OOP Maximum

$10,600

💡 What this means:

With a $10,600 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.

More plans from UnitedHealthcare in North Carolina

View all Marketplace plans in North Carolina

Frequently asked questions about UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals

How much does UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals cost per month?

UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals from UnitedHealthcare starts at $511 per month before any subsidy in North Carolina. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.

What is the deductible for UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals?

The individual medical deductible is $10,600, and the family deductible is $21,200. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.

What is the out-of-pocket maximum for UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals?

The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals HSA-eligible?

Yes. UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.

What type of network does UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals use?

UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.

Understand what you'd actually pay

2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
How ACA subsidies work
Premium tax credits and who qualifies
The 2026 subsidy cliff
Why income near 400% FPL matters again this year

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Important Notice

Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.