UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Cooper County, Missouri (2026)
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) (95426MO0410019), a expanded bronze plan from UnitedHealthcare in Cooper County, Missouri, costs $611.75/month full price for a 40-year-old in 2026 — $1299.13 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 95426MO0410019 · 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 | $478.68 |
| 27 | $501.65 |
| 30 | $543.30 |
| 40 | $611.75 |
| 50 | $854.92 |
| 60 | $1299.13 |
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 $611.75/mo at 40 — a difference of $-103.65/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 expanded bronze plans in Cooper County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Expanded Bronze | Ambetter from Home State Health | $553.06 |
| Everyday Bronze | Ambetter from Home State Health | $554.28 |
| Medica with MU Health Care Bronze $0 Copay PCP Visits | Medica | $557.71 |
| Medica with MU Health Care Expanded Bronze Standard | Medica | $562.46 |
| Medica with MU Health Care Bronze Premier | Medica | $567.86 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 95426MO0410019 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.