UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) — full price in Bates County, Missouri (2026)
UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) (95426MO0410020), a gold plan from UnitedHealthcare in Bates County, Missouri, costs $694.58/month full price for a 40-year-old in 2026 — $1475.04 at 60, with a $1,500 deductible and $8,100 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 95426MO0410020 · 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 | $543.49 |
| 27 | $569.58 |
| 30 | $616.86 |
| 40 | $694.58 |
| 50 | $970.68 |
| 60 | $1475.04 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,500
- Family deductible: $3,000
- Individual out-of-pocket max: $8,100
- Family out-of-pocket max: $16,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $684.98/mo. This plan is $694.58/mo at 40 — a difference of $9.60/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Bates County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | Oscar Insurance Company | $625.42 |
| Gold Classic Standard | Oscar Insurance Company | $638.06 |
| Standard Gold | Ambetter from Home State Health | $670.27 |
| Everyday Gold | Ambetter from Home State Health | $678.12 |
| Standard Gold + Vision + Adult Dental | Ambetter from Home State Health | $690.53 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 95426MO0410020 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.