UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) — full price in Sumner County, Tennessee (2026)
UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) (69443TN0180003), a expanded bronze plan from UnitedHealthcare in Sumner County, Tennessee, costs $658.42/month full price for a 40-year-old in 2026 — $1398.24 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69443TN0180003 · 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 | $515.20 |
| 27 | $539.93 |
| 30 | $584.75 |
| 40 | $658.42 |
| 50 | $920.14 |
| 60 | $1398.24 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $752.48/mo. This plan is $658.42/mo at 40 — a difference of $-94.06/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 expanded bronze plans in Sumner County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Simple | Oscar Insurance Company | $545.97 |
| Bronze Classic Standard | Oscar Insurance Company | $569.72 |
| Bronze Simple Diabetes | Oscar Insurance Company | $579.21 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | Oscar Insurance Company | $582.07 |
| Bronze Simple Chronic Care CKM | Oscar Insurance Company | $590.32 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69443TN0180003 in FIPS 47165.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Sumner County
Reviewed by Jason Burns, Editorial Steward.