UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) — full price in Polk County, Florida (2026)
UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) (68398FL0060001), a gold plan from UnitedHealthcare in Polk County, Florida, costs $1088.59/month full price for a 40-year-old in 2026 — $2311.76 at 60, with a $500 deductible and $9,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 68398FL0060001 · 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 | $851.79 |
| 27 | $892.68 |
| 30 | $966.78 |
| 40 | $1088.59 |
| 50 | $1521.30 |
| 60 | $2311.76 |
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 $660.96/mo. This plan is $1088.59/mo at 40 — a difference of $427.63/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 Polk County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter Health | $675.36 |
| Everyday Gold | Ambetter Health | $689.98 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $693.63 |
| Gold Simple | with AdventHealth | Oscar Health Maintenance Organization of Florida | $697.43 |
| Gold Elite Saver Plus | with AdventHealth | Oscar Health Maintenance Organization of Florida | $699.38 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 68398FL0060001 in FIPS 12105.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Polk County
Reviewed by Jason Burns, Editorial Steward.