UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) — full price in Nacogdoches County, Texas (2026)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) (40220TX0080055), a gold plan from UnitedHealthcare in Nacogdoches County, Texas, costs $623.43/month full price for a 40-year-old in 2026 — $1323.94 at 60, with a $0 deductible and $7,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40220TX0080055 · 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 | $487.82 |
| 27 | $511.23 |
| 30 | $553.67 |
| 40 | $623.43 |
| 50 | $871.24 |
| 60 | $1323.94 |
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 $648.23/mo. This plan is $623.43/mo at 40 — a difference of $-24.80/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 Nacogdoches County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter from Superior HealthPlan | $589.65 |
| Everyday Gold | Ambetter from Superior HealthPlan | $592.37 |
| Complete Gold | Ambetter from Superior HealthPlan | $603.07 |
| Blue Advantage Gold HMO℠ 206 | Blue Cross and Blue Shield of Texas | $603.71 |
| UHC Gold Standard | UnitedHealthcare | $609.23 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40220TX0080055 in FIPS 48347.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Nacogdoches County
Reviewed by Jason Burns, Editorial Steward.