UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Stoddard 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 Stoddard County, Missouri, costs $646.14/month full price for a 40-year-old in 2026 — $1372.17 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 | $505.59 |
| 27 | $529.86 |
| 30 | $573.84 |
| 40 | $646.14 |
| 50 | $902.98 |
| 60 | $1372.17 |
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 $759.15/mo. This plan is $646.14/mo at 40 — a difference of $-113.01/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 expanded bronze plans in Stoddard County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Expanded Bronze | Ambetter from Home State Health | $578.08 |
| Everyday Bronze | Ambetter from Home State Health | $579.36 |
| Standard Expanded Bronze + Vision + Adult Dental | Ambetter from Home State Health | $595.56 |
| Everyday Bronze + Vision + Adult Dental | Ambetter from Home State Health | $596.87 |
| UHC Bronze Standard (No Referrals) | UnitedHealthcare | $612.41 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 95426MO0410019 in FIPS 29207.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Stoddard County
Reviewed by Jason Burns, Editorial Steward.