UHC Gold Advantage (No Referrals) — full price in Kent County, Michigan (2026)
UHC Gold Advantage (No Referrals) (71667MI0010048), a gold plan from UnitedHealthcare in Kent County, Michigan, costs $551.40/month full price for a 40-year-old in 2026 — $1170.96 at 60, with a $1,500 deductible and $7,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 71667MI0010048 · 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 | $431.45 |
| 27 | $452.16 |
| 30 | $489.70 |
| 40 | $551.40 |
| 50 | $770.57 |
| 60 | $1170.96 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,500
- Family deductible: $3,000
- Individual out-of-pocket max: $7,800
- Family out-of-pocket max: $15,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $471.47/mo. This plan is $551.40/mo at 40 — a difference of $79.93/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 Kent County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | Oscar Insurance Company | $485.54 |
| Gold Elite Saver Plus | Oscar Insurance Company | $534.23 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $546.90 |
| UHC Gold Copay Focus (No Referrals) | UnitedHealthcare | $561.43 |
| UHC Gold Advantage+ (Dental + Vision, No Referrals) | UnitedHealthcare | $568.92 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 71667MI0010048 in FIPS 26081.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Kent County
Reviewed by Jason Burns, Editorial Steward.