UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — full price in Broward County, Florida (2026)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) (68398FL0030034), a gold plan from UnitedHealthcare in Broward County, Florida, costs $867.27/month full price for a 40-year-old in 2026 — $1841.76 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 68398FL0030034 · 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 | $678.61 |
| 27 | $711.19 |
| 30 | $770.23 |
| 40 | $867.27 |
| 50 | $1212.01 |
| 60 | $1841.76 |
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 $681.21/mo. This plan is $867.27/mo at 40 — a difference of $186.06/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 Broward County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | Oscar Health Maintenance Organization of Florida | $623.43 |
| Gold Classic Standard | Oscar Health Maintenance Organization of Florida | $654.90 |
| Gold 22 Health | 22 Health | $721.99 |
| Molina Gold Enhanced 895 | Molina Healthcare | $750.39 |
| Molina Gold Core 1640 | Molina Healthcare | $750.94 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 68398FL0030034 in FIPS 12011.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Broward County
Reviewed by Jason Burns, Editorial Steward.