UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) — full price in Richland County, Louisiana (2026)
UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) (69842LA0240025), a gold plan from UnitedHealthcare in Richland County, Louisiana, costs $845.32/month full price for a 40-year-old in 2026 — $1795.15 at 60, with a $950 deductible and $9,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69842LA0240025 · 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 | $661.44 |
| 27 | $693.19 |
| 30 | $750.74 |
| 40 | $845.32 |
| 50 | $1181.33 |
| 60 | $1795.15 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $950
- Family deductible: $1,900
- Individual out-of-pocket max: $9,600
- Family out-of-pocket max: $19,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $729.37/mo. This plan is $845.32/mo at 40 — a difference of $115.95/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 Richland County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Precision Blue Copay (PCP) 75/55 $2000 Standardized (M) | HMO Louisiana | $741.64 |
| Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits | HMO Louisiana | $778.49 |
| Blue POS Copay (PCP) 75/55 $2000 Standardized | HMO Louisiana | $814.09 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $819.13 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | UnitedHealthcare | $837.90 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69842LA0240025 in FIPS 22083.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Richland County
Reviewed by Jason Burns, Editorial Steward.