UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — full price in La Paz County, Arizona (2026)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) (40702AZ0060047), a gold plan from UnitedHealthcare in La Paz County, Arizona, costs $1119.75/month full price for a 40-year-old in 2026 — $2377.94 at 60, with a $0 deductible and $7,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40702AZ0060047 · 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 | $876.18 |
| 27 | $918.23 |
| 30 | $994.46 |
| 40 | $1119.75 |
| 50 | $1564.85 |
| 60 | $2377.94 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $7,800
- Family out-of-pocket max: $15,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $921.26/mo. This plan is $1119.75/mo at 40 — a difference of $198.49/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 gold plans in La Paz County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Imperial Standard Gold | Imperial Insurance Companies, Inc. | $1061.89 |
| UHC Gold Standard | UnitedHealthcare | $1075.73 |
| Imperial Preferred Gold | Imperial Insurance Companies, Inc. | $1076.04 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) | UnitedHealthcare | $1089.39 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) | UnitedHealthcare | $1119.16 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40702AZ0060047 in FIPS 04012.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in La Paz County
Reviewed by Jason Burns, Editorial Steward.