UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — full price in Galveston County, Texas (2026)
UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) (40220TX0080028), a gold plan from UnitedHealthcare in Galveston County, Texas, costs $665.83/month full price for a 40-year-old in 2026 — $1413.97 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 | $520.99 |
| 27 | $546.00 |
| 30 | $591.33 |
| 40 | $665.83 |
| 50 | $930.49 |
| 60 | $1413.97 |
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 $697.01/mo. This plan is $665.83/mo at 40 — a difference of $-31.18/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 Galveston County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | Oscar Insurance Company | $636.97 |
| Gold Classic | Oscar Insurance Company | $646.92 |
| UHC Gold Standard | UnitedHealthcare | $648.61 |
| UHC Kelsey-Seybold Gold Copay Focus $0 Indiv Med Ded ($8 Tier 2 Rx) | UnitedHealthcare | $648.80 |
| Community Premier Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Community Health Choice | $654.37 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40220TX0080028 in FIPS 48167.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Galveston County
Reviewed by Jason Burns, Editorial Steward.