UHC Gold Advantage (Virtual Urgent Care, No Referrals) — full price in Franklin County, Tennessee (2026)
UHC Gold Advantage (Virtual Urgent Care, No Referrals) (69443TN0140031), a gold plan from UnitedHealthcare in Franklin County, Tennessee, costs $764.88/month full price for a 40-year-old in 2026 — $1624.33 at 60, with a $2,000 deductible and $8,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69443TN0140031 · 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 | $598.50 |
| 27 | $627.23 |
| 30 | $679.30 |
| 40 | $764.88 |
| 50 | $1068.92 |
| 60 | $1624.33 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,500
- Family out-of-pocket max: $17,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $698.54/mo. This plan is $764.88/mo at 40 — a difference of $66.34/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 Franklin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| SoloCare Standard Gold EPO $2000 DED 10006 | Alliant Health Plans, Inc. | $681.35 |
| SoloCare Gold EPO $1500 DED 10010 | Alliant Health Plans, Inc. | $698.54 |
| Standard Gold | Ambetter of Tennessee | $711.59 |
| Everyday Gold | Ambetter of Tennessee | $721.58 |
| Standard Gold + Vision + Adult Dental | Ambetter of Tennessee | $731.17 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69443TN0140031 in FIPS 47051.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Franklin County
Reviewed by Jason Burns, Editorial Steward.