UHC Bronze Essential- ($0 Virtual Urgent Care) — full price in Lee County, Florida (2026)
UHC Bronze Essential- ($0 Virtual Urgent Care) (68398FL0090001), a bronze plan from UnitedHealthcare in Lee County, Florida, costs $538.52/month full price for a 40-year-old in 2026 — $1143.63 at 60, with a $10,600 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 68398FL0090001 · 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 | $421.38 |
| 27 | $441.61 |
| 30 | $478.27 |
| 40 | $538.52 |
| 50 | $752.58 |
| 60 | $1143.63 |
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 $717.30/mo. This plan is $538.52/mo at 40 — a difference of $-178.78/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 Lee County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care) | UnitedHealthcare | $538.59 |
| myBlue Bronze 26M02-24 (Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $639.86 |
| BlueSelect Bronze 24L01-01 (Rewards) | Florida Blue (BlueCross BlueShield FL) | $736.64 |
| BlueCare Bronze 24K01-05 (Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $800.39 |
| BlueOptions Bronze 24J01-06 (Rewards) | Florida Blue (BlueCross BlueShield FL) | $978.99 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 68398FL0090001 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.