UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) — full price in Ottawa County, Kansas (2026)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) (94968KS0090018), a gold plan from UnitedHealthcare in Ottawa County, Kansas, costs $773.84/month full price for a 40-year-old in 2026 — $1643.34 at 60, with a $0 deductible and $7,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 94968KS0090018 · 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 | $605.51 |
| 27 | $634.57 |
| 30 | $687.25 |
| 40 | $773.84 |
| 50 | $1081.43 |
| 60 | $1643.34 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $7,000
- Family out-of-pocket max: $14,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $695.30/mo. This plan is $773.84/mo at 40 — a difference of $78.54/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 Ottawa County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter from Sunflower Health Plan | $724.70 |
| Everyday Gold | Ambetter from Sunflower Health Plan | $733.62 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $734.66 |
| Standard Gold + Vision + Adult Dental | Ambetter from Sunflower Health Plan | $748.82 |
| Everyday Gold + Vision + Adult Dental | Ambetter from Sunflower Health Plan | $758.03 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 94968KS0090018 in FIPS 20143.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Ottawa County
Reviewed by Jason Burns, Editorial Steward.