UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded — full price in Fort Bend County, Texas (2026)
UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded (40220TX0080033), a silver plan from UnitedHealthcare in Fort Bend County, Texas, costs $648.75/month full price for a 40-year-old in 2026 — $1377.70 at 60, with a $0 deductible and $9,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40220TX0080033 · 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 | $507.63 |
| 27 | $531.99 |
| 30 | $576.16 |
| 40 | $648.75 |
| 50 | $906.62 |
| 60 | $1377.70 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $9,200
- Family out-of-pocket max: $18,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $648.75/mo. This plan is $648.75/mo at 40 — a difference of $0.00/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 Fort Bend County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Simple Guided Care | Oscar Insurance Company | $647.14 |
| Community Select Silver 019 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Community Health Choice | $649.49 |
| Silver Simple Diabetes Guided Care | Oscar Insurance Company | $654.66 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Guided Care | Oscar Insurance Company | $659.27 |
| Silver Simple Chronic Care CKM Guided Care | Oscar Insurance Company | $659.75 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40220TX0080033 in FIPS 48157.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Fort Bend County
Reviewed by Jason Burns, Editorial Steward.