UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) — full price in Bates County, Missouri (2026)
UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) (95426MO0410016), a silver plan from UnitedHealthcare in Bates County, Missouri, costs $721.59/month full price for a 40-year-old in 2026 — $1532.40 at 60, with a $3,500 deductible and $10,300 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 95426MO0410016 · 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 | $564.63 |
| 27 | $591.73 |
| 30 | $640.85 |
| 40 | $721.59 |
| 50 | $1008.42 |
| 60 | $1532.40 |
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 $684.98/mo. This plan is $721.59/mo at 40 — a difference of $36.61/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 Bates County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Simple PCP Saver | Oscar Insurance Company | $680.54 |
| Standard Silver | Ambetter from Home State Health | $684.98 |
| Silver Classic Standard | Oscar Insurance Company | $685.46 |
| Silver Simple Diabetes | Oscar Insurance Company | $686.81 |
| Silver Simple Women's Health with Menopause Benefits | Oscar Insurance Company | $690.01 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 95426MO0410016 in FIPS 29013.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Bates County
Reviewed by Jason Burns, Editorial Steward.