UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — full price in McClain County, Oklahoma (2026)
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) (45480OK0050037), a silver plan from UnitedHealthcare in McClain County, Oklahoma, costs $716.29/month full price for a 40-year-old in 2026 — $1521.13 at 60, with a $2,600 deductible and $9,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45480OK0050037 · 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 | $560.48 |
| 27 | $587.38 |
| 30 | $636.14 |
| 40 | $716.29 |
| 50 | $1001.01 |
| 60 | $1521.13 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,600
- Family deductible: $5,200
- Individual out-of-pocket max: $9,200
- Family out-of-pocket max: $18,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $567.94/mo. This plan is $716.29/mo at 40 — a difference of $148.35/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 McClain County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter of Oklahoma | $561.23 |
| Focused Silver | Ambetter of Oklahoma | $567.94 |
| Silver Simple PCP Saver | Oscar Insurance Company | $570.01 |
| Silver Classic Standard | Oscar Insurance Company | $571.55 |
| Silver Simple Diabetes | Oscar Insurance Company | $575.17 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45480OK0050037 in FIPS 40087.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in McClain County
Reviewed by Jason Burns, Editorial Steward.