UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — full price in Maricopa County, Arizona (2026)
UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) (40702AZ0070008), a silver plan from UnitedHealthcare in Maricopa County, Arizona, costs $605.48/month full price for a 40-year-old in 2026 — $1285.81 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 | $473.77 |
| 27 | $496.51 |
| 30 | $537.73 |
| 40 | $605.48 |
| 50 | $846.15 |
| 60 | $1285.81 |
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 $483.90/mo. This plan is $605.48/mo at 40 — a difference of $121.58/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 silver plans in Maricopa County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Imperial Standard Silver | Imperial Insurance Companies, Inc. | $471.85 |
| Imperial Preferred Silver | Imperial Insurance Companies, Inc. | $483.90 |
| Silver Simple PCP Saver | Oscar Health Plan, Inc. | $491.70 |
| Silver Classic Standard | Oscar Health Plan, Inc. | $492.17 |
| Silver Simple Diabetes | Oscar Health Plan, Inc. | $499.17 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40702AZ0070008 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.