UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) — full price in Hancock County, Tennessee (2026)
UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) (69443TN0140030), a gold plan from UnitedHealthcare in Hancock County, Tennessee, costs $785.85/month full price for a 40-year-old in 2026 — $1668.85 at 60, with a $0 deductible and $8,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69443TN0140030 · 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 | $614.90 |
| 27 | $644.42 |
| 30 | $697.92 |
| 40 | $785.85 |
| 50 | $1098.22 |
| 60 | $1668.85 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- 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 $693.47/mo. This plan is $785.85/mo at 40 — a difference of $92.38/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 Hancock County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® | BlueCross BlueShield of Tennessee | $724.36 |
| Connect Gold CMS Standard | Cigna Healthcare | $726.61 |
| Connect Gold 1500 Indiv Med Deductible | Cigna Healthcare | $730.50 |
| Standard Gold | Ambetter of Tennessee | $730.53 |
| Everyday Gold | Ambetter of Tennessee | $740.79 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69443TN0140030 in FIPS 47067.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Hancock County
Reviewed by Jason Burns, Editorial Steward.