UHC Bronze Essential ($0 Virtual Urgent Care) — full price in Collier County, Florida (2026)
UHC Bronze Essential ($0 Virtual Urgent Care) (68398FL0030058), a bronze plan from UnitedHealthcare in Collier County, Florida, costs $651.06/month full price for a 40-year-old in 2026 — $1382.61 at 60, with a $10,600 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 68398FL0030058 · 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 | $509.44 |
| 27 | $533.89 |
| 30 | $578.21 |
| 40 | $651.06 |
| 50 | $909.86 |
| 60 | $1382.61 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $10,600
- Family deductible: $21,200
- 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 $651.06/mo at 40 — a difference of $-78.44/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 bronze plans in Collier County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| myBlue Bronze 26M02-24 (Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $569.13 |
| UHC Bronze Essential- ($0 Virtual Urgent Care) | UnitedHealthcare | $650.98 |
| BlueCare Bronze 24K01-05 (Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $711.91 |
| BlueOptions Bronze 24J01-06 (Rewards) | Florida Blue (BlueCross BlueShield FL) | $906.55 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 68398FL0030058 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.