UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) — full price in Desoto County, Florida (2026)
UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) (68398FL0030057), a gold plan from UnitedHealthcare in Desoto County, Florida, costs $1030.81/month full price for a 40-year-old in 2026 — $2189.06 at 60, with a $500 deductible and $9,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 68398FL0030057 · 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 | $806.58 |
| 27 | $845.30 |
| 30 | $915.47 |
| 40 | $1030.81 |
| 50 | $1440.55 |
| 60 | $2189.06 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $500
- Family deductible: $1,000
- Individual out-of-pocket max: $9,000
- Family out-of-pocket max: $18,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $712.31/mo. This plan is $1030.81/mo at 40 — a difference of $318.50/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 Desoto County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter Health | $697.10 |
| Everyday Gold | Ambetter Health | $712.19 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $715.96 |
| Everyday Gold + Vision + Adult Dental | Ambetter Health | $731.46 |
| Complete Gold | Ambetter Health | $735.99 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 68398FL0030057 in FIPS 12027.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Desoto County
Reviewed by Jason Burns, Editorial Steward.