UHC Gold Advantage (Virtual Urgent Care, No Referrals) — full price in Jefferson County, Tennessee (2026)
UHC Gold Advantage (Virtual Urgent Care, No Referrals) (69443TN0140031), a gold plan from UnitedHealthcare in Jefferson County, Tennessee, costs $669.84/month full price for a 40-year-old in 2026 — $1422.49 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 | $524.13 |
| 27 | $549.29 |
| 30 | $594.89 |
| 40 | $669.84 |
| 50 | $936.10 |
| 60 | $1422.49 |
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 $679.55/mo. This plan is $669.84/mo at 40 — a difference of $-9.71/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Jefferson County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $673.52 |
| Standard Gold | Ambetter of Tennessee | $681.81 |
| UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | UnitedHealthcare | $686.87 |
| UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) | UnitedHealthcare | $689.80 |
| Everyday Gold | Ambetter of Tennessee | $691.38 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69443TN0140031 in FIPS 47089.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Jefferson County
Reviewed by Jason Burns, Editorial Steward.