UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — full price in Pontotoc County, Mississippi (2026)
UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) (97560MS0080002), a silver plan from UnitedHealthcare in Pontotoc County, Mississippi, costs $907.35/month full price for a 40-year-old in 2026 — $1926.88 at 60, with a $0 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 97560MS0080002 · 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 | $709.98 |
| 27 | $744.06 |
| 30 | $805.83 |
| 40 | $907.35 |
| 50 | $1268.02 |
| 60 | $1926.88 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $676.41/mo. This plan is $907.35/mo at 40 — a difference of $230.94/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 silver plans in Pontotoc County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter from Magnolia Health | $652.90 |
| Standard Silver + Vision + Adult Dental | Ambetter from Magnolia Health | $676.41 |
| Connect Silver 4000 Indiv Med Deductible | Cigna Healthcare | $682.32 |
| Connect Silver 6500 Indiv Med Deductible | Cigna Healthcare | $684.94 |
| Connect Silver CMS Standard | Cigna Healthcare | $689.39 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 97560MS0080002 in FIPS 28115.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Pontotoc County
Reviewed by Jason Burns, Editorial Steward.