UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — full price in Ellis County, Oklahoma (2026)
UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) (45480OK0050036), a silver plan from UnitedHealthcare in Ellis County, Oklahoma, costs $784.37/month full price for a 40-year-old in 2026 — $1665.71 at 60, with a $2,900 deductible and $9,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45480OK0050036 · 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 | $613.75 |
| 27 | $643.21 |
| 30 | $696.60 |
| 40 | $784.37 |
| 50 | $1096.15 |
| 60 | $1665.71 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,900
- Family deductible: $5,800
- Individual out-of-pocket max: $9,500
- Family out-of-pocket max: $19,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $778.21/mo. This plan is $784.37/mo at 40 — a difference of $6.16/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 silver plans in Ellis County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Advantage Silver PPO℠ 501 | Blue Cross and Blue Shield of Oklahoma | $776.64 |
| UHC Silver Standard (No Referrals) | UnitedHealthcare | $778.21 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | UnitedHealthcare | $793.74 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | UnitedHealthcare | $808.65 |
| Blue Advantage Silver PPO℠ Standard | Blue Cross and Blue Shield of Oklahoma | $817.70 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45480OK0050036 in FIPS 40045.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Ellis County
Reviewed by Jason Burns, Editorial Steward.