UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — full price in Brazoria County, Texas (2026)
UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) (40220TX0080028), a gold plan from UnitedHealthcare in Brazoria County, Texas, costs $633.88/month full price for a 40-year-old in 2026 — $1346.13 at 60, with a $1,000 deductible and $7,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40220TX0080028 · 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 | $496.00 |
| 27 | $519.80 |
| 30 | $562.96 |
| 40 | $633.88 |
| 50 | $885.85 |
| 60 | $1346.13 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,000
- Family deductible: $2,000
- Individual out-of-pocket max: $7,500
- Family out-of-pocket max: $15,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $663.57/mo. This plan is $633.88/mo at 40 — a difference of $-29.69/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 Brazoria County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | Oscar Insurance Company | $616.79 |
| UHC Gold Standard | UnitedHealthcare | $617.49 |
| UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) | UnitedHealthcare | $617.67 |
| Gold Classic | Oscar Insurance Company | $626.42 |
| UHC Kelsey-Seybold Gold Copay Focus+ $0 Indiv Med Ded ($8 Tier 2 Rx, Dental + Vision) | UnitedHealthcare | $634.28 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40220TX0080028 in FIPS 48039.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Brazoria County
Reviewed by Jason Burns, Editorial Steward.