UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — full price in Clay County, Kansas (2026)
UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) (94968KS0100004), a expanded bronze plan from UnitedHealthcare in Clay County, Kansas, costs $548.52/month full price for a 40-year-old in 2026 — $1164.85 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 94968KS0100004 · 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 | $429.20 |
| 27 | $449.80 |
| 30 | $487.14 |
| 40 | $548.52 |
| 50 | $766.55 |
| 60 | $1164.85 |
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 $695.30/mo. This plan is $548.52/mo at 40 — a difference of $-146.78/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 expanded bronze plans in Clay County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Bronze Standard (No Referrals) | UnitedHealthcare | $501.27 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) | UnitedHealthcare | $516.35 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | UnitedHealthcare | $533.43 |
| Everyday Bronze | Ambetter from Sunflower Health Plan | $552.15 |
| Standard Expanded Bronze | Ambetter from Sunflower Health Plan | $554.63 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 94968KS0100004 in FIPS 20027.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clay County
Reviewed by Jason Burns, Editorial Steward.