UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — full price in Garden County, Nebraska (2026)
UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) (73102NE0090003), a silver plan from UnitedHealthcare in Garden County, Nebraska, costs $1175.16/month full price for a 40-year-old in 2026 — $2495.60 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 73102NE0090003 · 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 | $919.53 |
| 27 | $963.67 |
| 30 | $1043.67 |
| 40 | $1175.16 |
| 50 | $1642.28 |
| 60 | $2495.60 |
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 $834.38/mo. This plan is $1175.16/mo at 40 — a difference of $340.78/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 Garden County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter Health | $826.11 |
| Focused Silver | Ambetter Health | $834.38 |
| Standard Silver + Vision + Adult Dental | Ambetter Health | $845.80 |
| Focused Silver + Vision + Adult Dental | Ambetter Health | $854.27 |
| Silver Classic Standard | Oscar Insurance Company | $873.33 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 73102NE0090003 in FIPS 31069.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Garden County
Reviewed by Jason Burns, Editorial Steward.