UHC Gold Standard (No Referrals) — full price in Lauderdale County, Tennessee (2026)
UHC Gold Standard (No Referrals) (69443TN0140016), a gold plan from UnitedHealthcare in Lauderdale County, Tennessee, costs $809.90/month full price for a 40-year-old in 2026 — $1719.92 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69443TN0140016 · 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 | $633.72 |
| 27 | $664.14 |
| 30 | $719.28 |
| 40 | $809.90 |
| 50 | $1131.83 |
| 60 | $1719.92 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $654.32/mo. This plan is $809.90/mo at 40 — a difference of $155.58/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 Lauderdale County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | Oscar Insurance Company | $636.30 |
| Standard Gold | Ambetter of Tennessee | $658.81 |
| Gold Elite | Oscar Insurance Company | $664.33 |
| Everyday Gold | Ambetter of Tennessee | $668.06 |
| Standard Gold + Vision + Adult Dental | Ambetter of Tennessee | $676.94 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69443TN0140016 in FIPS 47097.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lauderdale County
Reviewed by Jason Burns, Editorial Steward.