UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) — full price in Johnson County, Indiana (2026)
UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) (72850IN0170006), a gold plan from UnitedHealthcare in Johnson County, Indiana, costs $783.78/month full price for a 40-year-old in 2026 — $1664.46 at 60, with a $0 deductible and $7,700 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 72850IN0170006 · 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 | $613.29 |
| 27 | $642.72 |
| 30 | $696.08 |
| 40 | $783.78 |
| 50 | $1095.33 |
| 60 | $1664.46 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $7,700
- Family out-of-pocket max: $15,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $480.96/mo. This plan is $783.78/mo at 40 — a difference of $302.82/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 Johnson County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter Health | $709.13 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $727.83 |
| Complete Gold | Ambetter Health | $738.81 |
| UHC Gold Value ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) | UnitedHealthcare | $739.06 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $749.72 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 72850IN0170006 in FIPS 18081.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Johnson County
Reviewed by Jason Burns, Editorial Steward.