UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Cooper County, Missouri (2026)
UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) (95426MO0410006), a silver plan from UnitedHealthcare in Cooper County, Missouri, costs $755.28/month full price for a 40-year-old in 2026 — $1603.94 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 95426MO0410006 · 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 | $590.99 |
| 27 | $619.36 |
| 30 | $670.77 |
| 40 | $755.28 |
| 50 | $1055.51 |
| 60 | $1603.94 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $715.40/mo. This plan is $755.28/mo at 40 — a difference of $39.88/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 Cooper County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter from Home State Health | $715.04 |
| Medica with MU Health Care Silver $0 Copay PCP Visits | Medica | $715.40 |
| Medica with MU Health Care Silver Share | Medica | $718.36 |
| Medica with MU Health Care Silver Standard | Medica | $725.40 |
| Complete Silver | Ambetter from Home State Health | $726.29 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 95426MO0410006 in FIPS 29053.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cooper County
Reviewed by Jason Burns, Editorial Steward.