UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — full price in Cooke 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 Cooke County, Texas, costs $774.78/month full price for a 40-year-old in 2026 — $1645.35 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 | $606.25 |
| 27 | $635.34 |
| 30 | $688.09 |
| 40 | $774.78 |
| 50 | $1082.75 |
| 60 | $1645.35 |
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 $739.33/mo. This plan is $774.78/mo at 40 — a difference of $35.45/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 Cooke County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Molina Gold Saver 750 | Molina Healthcare | $627.81 |
| Molina Gold Core 1640 | Molina Healthcare | $627.96 |
| Molina Gold Saver 750 Pluswith Adult Vision | Molina Healthcare | $632.24 |
| Molina Gold Core 1640 Pluswith Adult Vision | Molina Healthcare | $632.39 |
| Molina Gold Saver 750 Pluswith Adult Dental and Vision | Molina Healthcare | $647.66 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40220TX0090008 in FIPS 48097.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cooke County
Reviewed by Jason Burns, Editorial Steward.