UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) — full price in Rhea County, Tennessee (2026)
UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) (69443TN0140020), a silver plan from UnitedHealthcare in Rhea County, Tennessee, costs $799.63/month full price for a 40-year-old in 2026 — $1698.11 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 | $625.69 |
| 27 | $655.72 |
| 30 | $710.15 |
| 40 | $799.63 |
| 50 | $1117.47 |
| 60 | $1698.11 |
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 $698.54/mo. This plan is $799.63/mo at 40 — a difference of $101.09/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 Rhea County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter of Tennessee | $697.87 |
| SoloCare Standard Silver EPO $6000 DED 10007 | Alliant Health Plans, Inc. | $698.54 |
| Enhanced Diabetes Care Silver with $0 Drug Options | Ambetter of Tennessee | $716.06 |
| Standard Silver + Vision + Adult Dental | Ambetter of Tennessee | $717.07 |
| SoloCare Silver EPO $6500 DED 10013 | Alliant Health Plans, Inc. | $731.19 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69443TN0140020 in FIPS 47143.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Rhea County
Reviewed by Jason Burns, Editorial Steward.