UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) — full price in Fayette County, Tennessee (2026)
UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) (69443TN0140028), a expanded bronze plan from UnitedHealthcare in Fayette County, Tennessee, costs $638.12/month full price for a 40-year-old in 2026 — $1355.13 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69443TN0140028 · 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 | $499.31 |
| 27 | $523.28 |
| 30 | $566.72 |
| 40 | $638.12 |
| 50 | $891.77 |
| 60 | $1355.13 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $654.32/mo. This plan is $638.12/mo at 40 — a difference of $-16.20/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 expanded bronze plans in Fayette County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Simple | Oscar Insurance Company | $482.04 |
| Everyday Bronze | Ambetter of Tennessee | $495.59 |
| BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® | BlueCross BlueShield of Tennessee | $496.94 |
| Standard Expanded Bronze | Ambetter of Tennessee | $497.38 |
| Bronze Classic Standard | Oscar Insurance Company | $503.01 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69443TN0140028 in FIPS 47047.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Fayette County
Reviewed by Jason Burns, Editorial Steward.