UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Ottawa County, Ohio (2026)
UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) (33931OH0030030), a silver plan from UnitedHealthcare in Ottawa County, Ohio, costs $684.10/month full price for a 40-year-old in 2026 — $1452.78 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 | $535.29 |
| 27 | $560.99 |
| 30 | $607.56 |
| 40 | $684.10 |
| 50 | $956.03 |
| 60 | $1452.78 |
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 $497.68/mo. This plan is $684.10/mo at 40 — a difference of $186.42/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 Ottawa County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Molina Silver Saver with Four Free PCP Visits | Molina Healthcare | $497.43 |
| Molina Silver Smart Heart Health | Molina Healthcare | $497.68 |
| Molina Silver Core | Molina Healthcare | $498.67 |
| Molina Silver Core Plus with Adult Vision | Molina Healthcare | $502.46 |
| Molina Silver Standard | Molina Healthcare | $506.22 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 33931OH0030030 in FIPS 39123.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Ottawa County
Reviewed by Jason Burns, Editorial Steward.