UHC Gold Standard (No Referrals) — full price in Cloud County, Kansas (2026)
UHC Gold Standard (No Referrals) (94968KS0090003), a gold plan from UnitedHealthcare in Cloud County, Kansas, costs $734.66/month full price for a 40-year-old in 2026 — $1560.15 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 94968KS0090003 · 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 | $574.85 |
| 27 | $602.45 |
| 30 | $652.46 |
| 40 | $734.66 |
| 50 | $1026.69 |
| 60 | $1560.15 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $695.30/mo. This plan is $734.66/mo at 40 — a difference of $39.36/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 gold plans in Cloud County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter from Sunflower Health Plan | $724.70 |
| Everyday Gold | Ambetter from Sunflower Health Plan | $733.62 |
| Standard Gold + Vision + Adult Dental | Ambetter from Sunflower Health Plan | $748.82 |
| Everyday Gold + Vision + Adult Dental | Ambetter from Sunflower Health Plan | $758.03 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | UnitedHealthcare | $760.69 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 94968KS0090003 in FIPS 20029.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cloud County
Reviewed by Jason Burns, Editorial Steward.