UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Adair County, Iowa (2026)
UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) (56610IA0100006), a silver plan from UnitedHealthcare in Adair County, Iowa, costs $623.31/month full price for a 40-year-old in 2026 — $1323.68 at 60, with a $0 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 56610IA0100006 · 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 | $487.72 |
| 27 | $511.13 |
| 30 | $553.57 |
| 40 | $623.31 |
| 50 | $871.07 |
| 60 | $1323.68 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $502.25/mo. This plan is $623.31/mo at 40 — a difference of $121.06/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 silver plans in Adair County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Classic Standard | MercyOne | Oscar Insurance Company | $500.96 |
| Silver Simple PCP Saver | MercyOne | Oscar Insurance Company | $502.25 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Oscar Insurance Company | $503.56 |
| Silver Classic | MercyOne | Oscar Insurance Company | $507.45 |
| Silver Simple Diabetes | MercyOne | Oscar Insurance Company | $510.95 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 56610IA0100006 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.