UHC Gold Standard (No Referrals) — full price in Kiowa County, Oklahoma (2026)
UHC Gold Standard (No Referrals) (45480OK0050028), a gold plan from UnitedHealthcare in Kiowa County, Oklahoma, costs $779.90/month full price for a 40-year-old in 2026 — $1656.22 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45480OK0050028 · 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 | $610.25 |
| 27 | $639.54 |
| 30 | $692.63 |
| 40 | $779.90 |
| 50 | $1089.90 |
| 60 | $1656.22 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $776.64/mo. This plan is $779.90/mo at 40 — a difference of $3.26/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 Kiowa County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| MENDING Direct Primary Care Gold $0 Ded ($0 DPC $0 PCP + $0 Mental Health) | Mending Health | $742.26 |
| Blue Advantage Gold PPO℠ 309 | Blue Cross and Blue Shield of Oklahoma | $754.91 |
| Blue Advantage Gold PPO℠ 604 | Blue Cross and Blue Shield of Oklahoma | $776.18 |
| UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) | UnitedHealthcare | $787.76 |
| Blue Advantage Gold PPO℠ Standard | Blue Cross and Blue Shield of Oklahoma | $803.30 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45480OK0050028 in FIPS 40075.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Kiowa County
Reviewed by Jason Burns, Editorial Steward.