UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) — full price in Grainger County, Tennessee (2026)
UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) (69443TN0140020), a silver plan from UnitedHealthcare in Grainger County, Tennessee, costs $700.26/month full price for a 40-year-old in 2026 — $1487.10 at 60, with a $0 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69443TN0140020 · 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 | $547.94 |
| 27 | $574.24 |
| 30 | $621.91 |
| 40 | $700.26 |
| 50 | $978.62 |
| 60 | $1487.10 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $679.55/mo. This plan is $700.26/mo at 40 — a difference of $20.71/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 Grainger County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter of Tennessee | $668.66 |
| BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® | BlueCross BlueShield of Tennessee | $679.55 |
| Enhanced Diabetes Care Silver with $0 Drug Options | Ambetter of Tennessee | $686.09 |
| Standard Silver + Vision + Adult Dental | Ambetter of Tennessee | $687.06 |
| UHC Silver Standard (No Referrals) | UnitedHealthcare | $689.62 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69443TN0140020 in FIPS 47057.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Grainger County
Reviewed by Jason Burns, Editorial Steward.