UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — full price in Adair County, Missouri (2026)
UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) (95426MO0420002), a silver plan from UnitedHealthcare in Adair County, Missouri, costs $810.66/month full price for a 40-year-old in 2026 — $1721.54 at 60, with a $3,500 deductible and $10,300 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 95426MO0420002 · 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 | $634.32 |
| 27 | $664.76 |
| 30 | $719.95 |
| 40 | $810.66 |
| 50 | $1132.89 |
| 60 | $1721.54 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,500
- Family deductible: $7,000
- Individual out-of-pocket max: $10,300
- Family out-of-pocket max: $20,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $790.49/mo. This plan is $810.66/mo at 40 — a difference of $20.17/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 Adair County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter from Home State Health | $779.74 |
| UHC Silver Standard (No Referrals) | UnitedHealthcare | $790.49 |
| UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) | UnitedHealthcare | $790.59 |
| Complete Silver | Ambetter from Home State Health | $792.02 |
| Standard Silver + Vision + Adult Dental | Ambetter from Home State Health | $803.31 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 95426MO0420002 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.