UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) — full price in Lucas County, Ohio (2026)
UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) (33931OH0030031), a silver plan from UnitedHealthcare in Lucas County, Ohio, costs $676.12/month full price for a 40-year-old in 2026 — $1435.83 at 60, with a $3,250 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 33931OH0030031 · 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 | $529.04 |
| 27 | $554.44 |
| 30 | $600.47 |
| 40 | $676.12 |
| 50 | $944.87 |
| 60 | $1435.83 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,250
- Family deductible: $6,500
- 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 $525.17/mo. This plan is $676.12/mo at 40 — a difference of $150.95/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 Lucas County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Antidote Health Plan of Ohio, Inc. | $515.22 |
| Molina Silver Saver with Four Free PCP Visits | Molina Healthcare | $525.17 |
| Molina Silver Smart Heart Health | Molina Healthcare | $525.44 |
| Molina Silver Core | Molina Healthcare | $526.47 |
| Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Antidote Health Plan of Ohio, Inc. | $527.19 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 33931OH0030031 in FIPS 39095.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lucas County
Reviewed by Jason Burns, Editorial Steward.