UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — full price in Pinal County, Arizona (2026)
UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) (40702AZ0070008), a silver plan from UnitedHealthcare in Pinal County, Arizona, costs $611.54/month full price for a 40-year-old in 2026 — $1298.68 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 | $478.51 |
| 27 | $501.48 |
| 30 | $543.11 |
| 40 | $611.54 |
| 50 | $854.62 |
| 60 | $1298.68 |
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 $501.43/mo. This plan is $611.54/mo at 40 — a difference of $110.11/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 Pinal County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Antidote Health Plan of Arizona, Inc. | $498.84 |
| Imperial Standard Silver | Imperial Insurance Companies, Inc. | $501.43 |
| Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Antidote Health Plan of Arizona, Inc. | $509.53 |
| Imperial Preferred Silver | Imperial Insurance Companies, Inc. | $514.25 |
| Silver Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx | Antidote Health Plan of Arizona, Inc. | $541.45 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40702AZ0070008 in FIPS 04021.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Pinal County
Reviewed by Jason Burns, Editorial Steward.