UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Madison County, Ohio (2026)
UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) (33931OH0030030), a silver plan from UnitedHealthcare in Madison County, Ohio, costs $820.16/month full price for a 40-year-old in 2026 — $1741.72 at 60, with a $0 deductible and $9,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 33931OH0030030 · 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 | $641.75 |
| 27 | $672.56 |
| 30 | $728.39 |
| 40 | $820.16 |
| 50 | $1146.17 |
| 60 | $1741.72 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $9,800
- Family out-of-pocket max: $19,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $539.32/mo. This plan is $820.16/mo at 40 — a difference of $280.84/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 Madison County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Classic Standard | Oscar Health Insurance | $538.05 |
| Silver Simple PCP Saver | Oscar Health Insurance | $539.32 |
| Silver Simple Diabetes | Oscar Health Insurance | $539.84 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | Oscar Health Insurance | $540.04 |
| Silver Simple Chronic Care CKM | Oscar Health Insurance | $545.05 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 33931OH0030030 in FIPS 39097.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Madison County
Reviewed by Jason Burns, Editorial Steward.