UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — full price in La Paz County, Arizona (2026)
UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) (40702AZ0070008), a silver plan from UnitedHealthcare in La Paz County, Arizona, costs $975.40/month full price for a 40-year-old in 2026 — $2071.39 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40702AZ0070008 · 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 | $763.22 |
| 27 | $799.86 |
| 30 | $866.26 |
| 40 | $975.40 |
| 50 | $1363.12 |
| 60 | $2071.39 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $921.26/mo. This plan is $975.40/mo at 40 — a difference of $54.14/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 La Paz County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Imperial Standard Silver | Imperial Insurance Companies, Inc. | $900.57 |
| UHC Silver Standard | UnitedHealthcare | $921.26 |
| Imperial Preferred Silver | Imperial Insurance Companies, Inc. | $923.58 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $923.59 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | UnitedHealthcare | $945.95 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40702AZ0070008 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.