UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) — full price in Santa Rosa County, Florida (2026)
UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) (68398FL0030057), a gold plan from UnitedHealthcare in Santa Rosa County, Florida, costs $928.91/month full price for a 40-year-old in 2026 — $1972.67 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 | $726.85 |
| 27 | $761.74 |
| 30 | $824.97 |
| 40 | $928.91 |
| 50 | $1298.15 |
| 60 | $1972.67 |
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 $756.42/mo. This plan is $928.91/mo at 40 — a difference of $172.49/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 Santa Rosa County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter Health | $769.84 |
| Everyday Gold | Ambetter Health | $786.50 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $790.66 |
| Everyday Gold + Vision + Adult Dental | Ambetter Health | $807.78 |
| Complete Gold | Ambetter Health | $812.79 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 68398FL0030057 in FIPS 12113.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Santa Rosa County
Reviewed by Jason Burns, Editorial Steward.