UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) — full price in Madison County, Nebraska (2026)
UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) (73102NE0090005), a gold plan from UnitedHealthcare in Madison County, Nebraska, costs $1062.83/month full price for a 40-year-old in 2026 — $2257.06 at 60, with a $0 deductible and $7,700 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 73102NE0090005 · 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 | $831.64 |
| 27 | $871.56 |
| 30 | $943.91 |
| 40 | $1062.83 |
| 50 | $1485.30 |
| 60 | $2257.06 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $7,700
- Family out-of-pocket max: $15,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $785.42/mo. This plan is $1062.83/mo at 40 — a difference of $277.41/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 Madison County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clear Gold | Ambetter Health | $776.38 |
| Clear Gold + Vision + Adult Dental | Ambetter Health | $794.88 |
| Standard Gold | Ambetter Health | $796.64 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $815.62 |
| Gold Classic Standard | Oscar Insurance Company | $891.17 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 73102NE0090005 in FIPS 31119.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Madison County
Reviewed by Jason Burns, Editorial Steward.