UHC Silver Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — full price in Saint Bernard County, Louisiana (2026)
UHC Silver Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) (69842LA0250003), a silver plan from UnitedHealthcare in Saint Bernard County, Louisiana, costs $804.72/month full price for a 40-year-old in 2026 — $1708.93 at 60, with a $0 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69842LA0250003 · 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 | $629.67 |
| 27 | $659.89 |
| 30 | $714.68 |
| 40 | $804.72 |
| 50 | $1124.59 |
| 60 | $1708.93 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $589.76/mo. This plan is $804.72/mo at 40 — a difference of $214.96/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 silver plans in Saint Bernard County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter from Louisiana Healthcare Connections | $582.17 |
| Focused Silver | Ambetter from Louisiana Healthcare Connections | $589.76 |
| Standard Silver + Vision + Adult Dental | Ambetter from Louisiana Healthcare Connections | $597.70 |
| Signature Blue 80/60 $3200 with 2 $0 PCP Virtual Visits | HMO Louisiana | $603.75 |
| Focused Silver + Vision + Adult Dental | Ambetter from Louisiana Healthcare Connections | $605.49 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69842LA0250003 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.