UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) — full price in Maricopa County, Arizona (2026)
UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) (40702AZ0060046), a gold plan from UnitedHealthcare in Maricopa County, Arizona, costs $676.24/month full price for a 40-year-old in 2026 — $1436.08 at 60, with a $1,250 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40702AZ0060046 · 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 | $529.14 |
| 27 | $554.53 |
| 30 | $600.57 |
| 40 | $676.24 |
| 50 | $945.04 |
| 60 | $1436.08 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,250
- Family deductible: $2,500
- Individual out-of-pocket max: $8,000
- Family out-of-pocket max: $16,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $483.90/mo. This plan is $676.24/mo at 40 — a difference of $192.34/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 Maricopa County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | Oscar Health Plan, Inc. | $541.53 |
| Gold Classic Standard | Oscar Health Plan, Inc. | $545.15 |
| Gold Simple Diabetes | Oscar Health Plan, Inc. | $547.94 |
| Gold Classic | Oscar Health Plan, Inc. | $552.65 |
| Imperial Standard Gold | Imperial Insurance Companies, Inc. | $556.37 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40702AZ0060046 in FIPS 04013.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Maricopa County
Reviewed by Jason Burns, Editorial Steward.