UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — full price in Cochran County, Texas (2026)
UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) (40220TX0090008), a gold plan from UnitedHealthcare in Cochran County, Texas, costs $739.71/month full price for a 40-year-old in 2026 — $1570.88 at 60, with a $0 deductible and $7,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40220TX0090008 · 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 | $578.81 |
| 27 | $606.59 |
| 30 | $656.94 |
| 40 | $739.71 |
| 50 | $1033.75 |
| 60 | $1570.88 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $7,800
- Family out-of-pocket max: $15,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $829.39/mo. This plan is $739.71/mo at 40 — a difference of $-89.68/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 Cochran County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Gold Standard | UnitedHealthcare | $704.34 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $720.76 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $723.04 |
| Blue Advantage Gold HMO℠ 206 | Blue Cross and Blue Shield of Texas | $725.53 |
| Blue Advantage Gold HMO℠ 603 | Blue Cross and Blue Shield of Texas | $733.50 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40220TX0090008 in FIPS 48079.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cochran County
Reviewed by Jason Burns, Editorial Steward.