UHC Gold Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) — full price in Franklin County, Mississippi (2026)
UHC Gold Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) (97560MS0080003), a gold plan from UnitedHealthcare in Franklin County, Mississippi, costs $996.12/month full price for a 40-year-old in 2026 — $2115.39 at 60, with a $0 deductible and $9,300 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 97560MS0080003 · 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 | $779.44 |
| 27 | $816.85 |
| 30 | $884.66 |
| 40 | $996.12 |
| 50 | $1392.07 |
| 60 | $2115.39 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $9,300
- Family out-of-pocket max: $18,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $708.60/mo. This plan is $996.12/mo at 40 — a difference of $287.52/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 Franklin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter from Magnolia Health | $850.24 |
| Everyday Gold | Ambetter from Magnolia Health | $860.49 |
| Standard Gold + Vision + Adult Dental | Ambetter from Magnolia Health | $880.85 |
| Complete Gold | Ambetter from Magnolia Health | $890.47 |
| Everyday Gold + Vision + Adult Dental | Ambetter from Magnolia Health | $891.47 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 97560MS0080003 in FIPS 28037.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Franklin County
Reviewed by Jason Burns, Editorial Steward.