UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — full price in Collier County, Florida (2026)
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) (68398FL0030045), a expanded bronze plan from UnitedHealthcare in Collier County, Florida, costs $706.71/month full price for a 40-year-old in 2026 — $1500.80 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 68398FL0030045 · 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 | $552.98 |
| 27 | $579.53 |
| 30 | $627.64 |
| 40 | $706.71 |
| 50 | $987.63 |
| 60 | $1500.80 |
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 $729.50/mo. This plan is $706.71/mo at 40 — a difference of $-22.79/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 expanded bronze plans in Collier County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Connect Bronze Mid-South CMS Standard | Cigna Healthcare | $570.37 |
| Everyday Bronze | Ambetter Health | $574.27 |
| Standard Expanded Bronze | Ambetter Health | $576.03 |
| Connect Bronze Mid-South 5500 Indiv Med Deductible | Cigna Healthcare | $578.97 |
| Connect myDiabetesCare Bronze Mid-South | Cigna Healthcare | $579.48 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 68398FL0030045 in FIPS 12021.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Collier County
Reviewed by Jason Burns, Editorial Steward.