UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) — full price in Webster County, Louisiana (2026)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) (69842LA0240023), a gold plan from UnitedHealthcare in Webster County, Louisiana, costs $802.08/month full price for a 40-year-old in 2026 — $1703.32 at 60, with a $0 deductible and $9,250 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69842LA0240023 · 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 | $627.61 |
| 27 | $657.73 |
| 30 | $712.33 |
| 40 | $802.08 |
| 50 | $1120.90 |
| 60 | $1703.32 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $9,250
- Family out-of-pocket max: $18,500
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $752.88/mo. This plan is $802.08/mo at 40 — a difference of $49.20/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 Webster County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits | HMO Louisiana | $732.08 |
| Blue POS Copay (PCP) 75/55 $2000 Standardized | HMO Louisiana | $765.55 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $784.12 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | UnitedHealthcare | $809.19 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | UnitedHealthcare | $827.37 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69842LA0240023 in FIPS 22119.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Webster County
Reviewed by Jason Burns, Editorial Steward.