UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) — full price in Lauderdale County, Tennessee (2026)
UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) (69443TN0140030), a gold plan from UnitedHealthcare in Lauderdale County, Tennessee, costs $829.48/month full price for a 40-year-old in 2026 — $1761.51 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 | $649.04 |
| 27 | $680.20 |
| 30 | $736.67 |
| 40 | $829.48 |
| 50 | $1159.19 |
| 60 | $1761.51 |
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 $654.32/mo. This plan is $829.48/mo at 40 — a difference of $175.16/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 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 69443TN0140030 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.