UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) — full price in Lucas County, Ohio (2026)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) (33931OH0030032), a gold plan from UnitedHealthcare in Lucas County, Ohio, costs $818.11/month full price for a 40-year-old in 2026 — $1737.37 at 60, with a $0 deductible and $7,700 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 33931OH0030032 · 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 | $640.15 |
| 27 | $670.88 |
| 30 | $726.57 |
| 40 | $818.11 |
| 50 | $1143.31 |
| 60 | $1737.37 |
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 $525.17/mo. This plan is $818.11/mo at 40 — a difference of $292.94/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 Lucas County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clear Gold | Ambetter from Buckeye Health Plan | $570.61 |
| Standard Gold | Ambetter from Buckeye Health Plan | $585.50 |
| Clear Gold + Vision + Adult Dental | Ambetter from Buckeye Health Plan | $588.19 |
| Standard Gold + Vision + Adult Dental | Ambetter from Buckeye Health Plan | $603.54 |
| Molina Gold Core 1640 | Molina Healthcare | $607.63 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 33931OH0030032 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.