UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — full price in Cuyahoga County, Ohio (2026)
UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) (33931OH0030042), a gold plan from UnitedHealthcare in Cuyahoga County, Ohio, costs $815.17/month full price for a 40-year-old in 2026 — $1731.12 at 60, with a $700 deductible and $7,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 33931OH0030042 · 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 | $637.85 |
| 27 | $668.46 |
| 30 | $723.96 |
| 40 | $815.17 |
| 50 | $1139.20 |
| 60 | $1731.12 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $700
- Family deductible: $1,400
- Individual out-of-pocket max: $7,000
- Family out-of-pocket max: $14,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $490.51/mo. This plan is $815.17/mo at 40 — a difference of $324.66/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 Cuyahoga County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Molina Gold Core 1640 | Molina Healthcare | $566.12 |
| Molina Gold Enhanced 895 | Molina Healthcare | $568.03 |
| Molina Gold Core 1640 Plus with Adult Vision | Molina Healthcare | $569.80 |
| Molina Gold Enhanced 895 Plus with Adult Vision | Molina Healthcare | $571.70 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision | Molina Healthcare | $582.36 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 33931OH0030042 in FIPS 39035.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cuyahoga County
Reviewed by Jason Burns, Editorial Steward.