UHC Gold Copay Focus (No Referrals) — full price in Shiawassee County, Michigan (2026)
UHC Gold Copay Focus (No Referrals) (71667MI0010042), a gold plan from UnitedHealthcare in Shiawassee County, Michigan, costs $561.85/month full price for a 40-year-old in 2026 — $1193.17 at 60, with a $0 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 71667MI0010042 · 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 | $439.63 |
| 27 | $460.74 |
| 30 | $498.98 |
| 40 | $561.85 |
| 50 | $785.19 |
| 60 | $1193.17 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $8,000
- Family out-of-pocket max: $16,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $514.40/mo. This plan is $561.85/mo at 40 — a difference of $47.45/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 Shiawassee County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $547.32 |
| UHC Gold Advantage (No Referrals) | UnitedHealthcare | $551.81 |
| UHC Gold Advantage+ (Dental + Vision, No Referrals) | UnitedHealthcare | $569.35 |
| MHP Gold | McLaren Health Plan Community | $652.44 |
| MHP Gold Standard | McLaren Health Plan Community | $658.41 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 71667MI0010042 in FIPS 26155.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Shiawassee County
Reviewed by Jason Burns, Editorial Steward.