UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — full price in Atoka County, Oklahoma (2026)
UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) (45480OK0110001), a gold plan from UnitedHealthcare in Atoka County, Oklahoma, costs $812.04/month full price for a 40-year-old in 2026 — $1724.48 at 60, with a $2,000 deductible and $7,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45480OK0110001 · 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 | $635.40 |
| 27 | $665.90 |
| 30 | $721.18 |
| 40 | $812.04 |
| 50 | $1134.83 |
| 60 | $1724.48 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- 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 $592.30/mo. This plan is $812.04/mo at 40 — a difference of $219.74/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 Atoka County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter of Oklahoma | $636.40 |
| Everyday Gold | Ambetter of Oklahoma | $647.59 |
| Standard Gold + Vision + Adult Dental | Ambetter of Oklahoma | $663.51 |
| Harmony by Medica Gold $0 Copay PCP Visits | Medica | $666.31 |
| Harmony by Medica Gold Share | Medica | $674.75 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45480OK0110001 in FIPS 40005.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Atoka County
Reviewed by Jason Burns, Editorial Steward.