UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — full price in McMullen County, Texas (2026)
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) (40220TX0080031), a expanded bronze plan from UnitedHealthcare in McMullen County, Texas, costs $634.70/month full price for a 40-year-old in 2026 — $1347.88 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40220TX0080031 · 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 | $496.64 |
| 27 | $520.48 |
| 30 | $563.68 |
| 40 | $634.70 |
| 50 | $887.00 |
| 60 | $1347.88 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $735.29/mo. This plan is $634.70/mo at 40 — a difference of $-100.59/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 expanded bronze plans in McMullen County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | Oscar Insurance Company | $457.56 |
| Bronze Classic Standard | Oscar Insurance Company | $473.20 |
| Bronze Classic 4700 | Oscar Insurance Company | $478.89 |
| Bronze Simple Diabetes | Oscar Insurance Company | $480.34 |
| Bronze Simple Chronic Care CKM | Oscar Insurance Company | $488.39 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40220TX0080031 in FIPS 48311.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in McMullen County
Reviewed by Jason Burns, Editorial Steward.