UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) — full price in Lee County, Florida (2026)
UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) (68398FL0030046), a silver plan from UnitedHealthcare in Lee County, Florida, costs $712.73/month full price for a 40-year-old in 2026 — $1513.57 at 60, with a $4,500 deductible and $9,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 68398FL0030046 · 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 | $557.69 |
| 27 | $584.46 |
| 30 | $632.98 |
| 40 | $712.73 |
| 50 | $996.04 |
| 60 | $1513.57 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,500
- Family deductible: $9,000
- Individual out-of-pocket max: $9,900
- Family out-of-pocket max: $19,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $717.30/mo. This plan is $712.73/mo at 40 — a difference of $-4.57/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 silver plans in Lee County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Wellpoint | $717.30 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Wellpoint | $720.19 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Wellpoint | $727.85 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | UnitedHealthcare | $732.59 |
| Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard | Wellpoint | $733.01 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 68398FL0030046 in FIPS 12071.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lee County
Reviewed by Jason Burns, Editorial Steward.