UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) — full price in Adair County, Missouri (2026)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) (95426MO0410018), a gold plan from UnitedHealthcare in Adair County, Missouri, costs $787.70/month full price for a 40-year-old in 2026 — $1672.79 at 60, with a $0 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 95426MO0410018 · 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 | $616.36 |
| 27 | $645.94 |
| 30 | $699.56 |
| 40 | $787.70 |
| 50 | $1100.81 |
| 60 | $1672.79 |
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 $790.49/mo. This plan is $787.70/mo at 40 — a difference of $-2.79/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 Adair County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $756.80 |
| UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) | UnitedHealthcare | $761.00 |
| Standard Gold | Ambetter from Home State Health | $762.99 |
| Everyday Gold | Ambetter from Home State Health | $771.93 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | UnitedHealthcare | $781.07 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 95426MO0410018 in FIPS 29001.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Adair County
Reviewed by Jason Burns, Editorial Steward.