UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — full price in Osceola County, Florida (2026)
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) (68398FL0030045), a expanded bronze plan from UnitedHealthcare in Osceola County, Florida, costs $681.63/month full price for a 40-year-old in 2026 — $1447.53 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 | $533.36 |
| 27 | $558.96 |
| 30 | $605.36 |
| 40 | $681.63 |
| 50 | $952.58 |
| 60 | $1447.53 |
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 $666.11/mo. This plan is $681.63/mo at 40 — a difference of $15.52/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.
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Other expanded bronze plans in Osceola County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | Oscar Health Maintenance Organization of Florida | $494.18 |
| Everyday Bronze | Ambetter Health | $515.57 |
| Standard Expanded Bronze | Ambetter Health | $517.15 |
| Bronze Classic Standard | with AdventHealth | Oscar Health Maintenance Organization of Florida | $521.15 |
| AmeriHealth Caritas Next Bronze Premier + No Referrals | AmeriHealth Caritas Next | $523.79 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 68398FL0030045 in FIPS 12097.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Osceola County
Reviewed by Jason Burns, Editorial Steward.