UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Adair County, Iowa (2026)
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) (56610IA0100002), a expanded bronze plan from UnitedHealthcare in Adair County, Iowa, costs $500.66/month full price for a 40-year-old in 2026 — $1063.23 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 56610IA0100002 · 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 | $391.76 |
| 27 | $410.56 |
| 30 | $444.64 |
| 40 | $500.66 |
| 50 | $699.68 |
| 60 | $1063.23 |
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 $502.25/mo. This plan is $500.66/mo at 40 — a difference of $-1.59/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 expanded bronze plans in Adair County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Classic Standard | MercyOne | Oscar Insurance Company | $374.89 |
| Bronze Simple Diabetes | MercyOne | Oscar Insurance Company | $382.61 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Oscar Insurance Company | $384.74 |
| Bronze Classic 4700 | MercyOne | Oscar Insurance Company | $386.07 |
| Bronze Simple Chronic Care CKM | MercyOne | Oscar Insurance Company | $391.58 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 56610IA0100002 in FIPS 19001.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Adair County
Reviewed by Jason Burns, Editorial Steward.