UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) — full price in Harrison County, Iowa (2026)
UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) (56610IA0110003), a gold plan from UnitedHealthcare in Harrison County, Iowa, costs $626.89/month full price for a 40-year-old in 2026 — $1331.28 at 60, with a $1,000 deductible and $8,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 56610IA0110003 · 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 | $490.52 |
| 27 | $514.07 |
| 30 | $556.74 |
| 40 | $626.89 |
| 50 | $876.07 |
| 60 | $1331.28 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,000
- Family deductible: $2,000
- Individual out-of-pocket max: $8,500
- Family out-of-pocket max: $17,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $608.52/mo. This plan is $626.89/mo at 40 — a difference of $18.37/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 gold plans in Harrison County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellmark Gold Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $560.15 |
| Wellmark Standard Gold HMO | Wellmark Health Plan of Iowa, Inc. | $570.15 |
| Gold Classic Standard | Oscar Insurance Company | $576.03 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $588.01 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | UnitedHealthcare | $603.34 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 56610IA0110003 in FIPS 19085.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Harrison County
Reviewed by Jason Burns, Editorial Steward.