UHC Silver Standard (No Referrals) — full price in Clay County, Missouri (2026)
UHC Silver Standard (No Referrals) (95426MO0410008), a silver plan from UnitedHealthcare in Clay County, Missouri, costs $709.98/month full price for a 40-year-old in 2026 — $1507.74 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 95426MO0410008 · 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 | $555.54 |
| 27 | $582.21 |
| 30 | $630.54 |
| 40 | $709.98 |
| 50 | $992.20 |
| 60 | $1507.74 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $580.77/mo. This plan is $709.98/mo at 40 — a difference of $129.21/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 silver plans in Clay County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter from Home State Health | $571.78 |
| Complete Silver | Ambetter from Home State Health | $580.77 |
| Silver Simple PCP Saver | Oscar Insurance Company | $582.83 |
| Silver Classic Standard | Oscar Insurance Company | $587.04 |
| Silver Simple Diabetes | Oscar Insurance Company | $588.20 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 95426MO0410008 in FIPS 29047.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clay County
Reviewed by Jason Burns, Editorial Steward.