UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) — full price in Phelps County, Nebraska (2026)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) (73102NE0080009), a gold plan from UnitedHealthcare in Phelps County, Nebraska, costs $1043.87/month full price for a 40-year-old in 2026 — $2216.80 at 60, with a $0 deductible and $7,700 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 73102NE0080009 · 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 | $816.80 |
| 27 | $856.01 |
| 30 | $927.07 |
| 40 | $1043.87 |
| 50 | $1458.81 |
| 60 | $2216.80 |
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 $757.39/mo. This plan is $1043.87/mo at 40 — a difference of $286.48/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Phelps 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 |
| HeartlandBlue Gold Standard 2000 Blueprint Health | Blue Cross and Blue Shield of Nebraska | $808.14 |
| HeartlandBlue Gold $0 PCP Visit 1500 Blueprint Health | Blue Cross and Blue Shield of Nebraska | $813.49 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 73102NE0080009 in FIPS 31137.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Phelps County
Reviewed by Jason Burns, Editorial Steward.