UHC Gold Standard (No Referrals) — full price in Saint Bernard County, Louisiana (2026)
UHC Gold Standard (No Referrals) (69842LA0240012), a gold plan from UnitedHealthcare in Saint Bernard County, Louisiana, costs $766.72/month full price for a 40-year-old in 2026 — $1628.23 at 60, with a $2,000 deductible and $8,300 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69842LA0240012 · 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 | $599.94 |
| 27 | $628.73 |
| 30 | $680.93 |
| 40 | $766.72 |
| 50 | $1071.49 |
| 60 | $1628.23 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,300
- Family out-of-pocket max: $16,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $589.76/mo. This plan is $766.72/mo at 40 — a difference of $176.96/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 Saint Bernard County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter from Louisiana Healthcare Connections | $621.72 |
| Signature Blue Copay (PCP) 75/55 $2000 Standardized | HMO Louisiana | $634.09 |
| Standard Gold + Vision + Adult Dental | Ambetter from Louisiana Healthcare Connections | $638.30 |
| Complete Gold | Ambetter from Louisiana Healthcare Connections | $662.34 |
| Complete Gold + Vision + Adult Dental | Ambetter from Louisiana Healthcare Connections | $680.00 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69842LA0240012 in FIPS 22087.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Saint Bernard County
Reviewed by Jason Burns, Editorial Steward.