UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) — full price in Montgomery County, Texas (2026)
UHC Kelsey-Seybold Silver Copay Focus+ $0 Indiv Med Ded (Dental + Vision) (40220TX0090007), a silver plan from UnitedHealthcare in Montgomery County, Texas, costs $667.85/month full price for a 40-year-old in 2026 — $1418.26 at 60, with a $0 deductible and $9,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40220TX0090007 · 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 | $522.57 |
| 27 | $547.65 |
| 30 | $593.12 |
| 40 | $667.85 |
| 50 | $933.31 |
| 60 | $1418.26 |
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 $667.85/mo. This plan is $667.85/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 Montgomery County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Kelsey-Seybold Silver Copay Focus $0 Indiv Med Ded | UnitedHealthcare | $652.92 |
| Standard Silver VALUE | Ambetter from Superior HealthPlan | $679.79 |
| Focused VALUE Silver | Ambetter from Superior HealthPlan | $683.25 |
| MyBlue Health Silver℠ Standard | Blue Cross and Blue Shield of Texas | $698.36 |
| MyBlue Health Silver℠ 405 | Blue Cross and Blue Shield of Texas | $699.46 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40220TX0090007 in FIPS 48339.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Montgomery County
Reviewed by Jason Burns, Editorial Steward.