UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — full price in Douglas County, Missouri (2026)
UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) (95426MO0420001), a gold plan from UnitedHealthcare in Douglas County, Missouri, costs $717.62/month full price for a 40-year-old in 2026 — $1523.97 at 60, with a $1,500 deductible and $8,100 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 95426MO0420001 · 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 | $561.52 |
| 27 | $588.47 |
| 30 | $637.33 |
| 40 | $717.62 |
| 50 | $1002.88 |
| 60 | $1523.97 |
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 $637.10/mo. This plan is $717.62/mo at 40 — a difference of $80.52/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 gold plans in Douglas County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Balance by Medica Gold $0 Copay PCP Visits | Medica | $590.52 |
| Balance by Medica Gold Share | Medica | $593.43 |
| Balance by Medica Gold Standard | Medica | $602.29 |
| Standard Gold | Ambetter from Home State Health | $613.75 |
| Everyday Gold | Ambetter from Home State Health | $620.95 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 95426MO0420001 in FIPS 29067.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Douglas County
Reviewed by Jason Burns, Editorial Steward.