UHC Bronze Essential (No Referrals) — full price in Saint Louis County, Missouri (2026)
UHC Bronze Essential (No Referrals) (95426MO0410021), a bronze plan from UnitedHealthcare in Saint Louis County, Missouri, costs $451.84/month full price for a 40-year-old in 2026 — $959.54 at 60, with a $10,600 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 95426MO0410021 · 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 | $353.55 |
| 27 | $370.52 |
| 30 | $401.28 |
| 40 | $451.84 |
| 50 | $631.44 |
| 60 | $959.54 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $10,600
- Family deductible: $21,200
- 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 $531.51/mo. This plan is $451.84/mo at 40 — a difference of $-79.67/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 bronze plans in Saint Louis County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Anthem Bronze Pathway 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Anthem Blue Cross and Blue Shield | $405.69 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 95426MO0410021 in FIPS 29189.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Saint Louis County
Reviewed by Jason Burns, Editorial Steward.