UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — full price in Real County, Texas (2026)
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) (40220TX0080031), a expanded bronze plan from UnitedHealthcare in Real County, Texas, costs $503.23/month full price for a 40-year-old in 2026 — $1068.68 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 | $393.77 |
| 27 | $412.67 |
| 30 | $446.92 |
| 40 | $503.23 |
| 50 | $703.27 |
| 60 | $1068.68 |
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 $711.30/mo. This plan is $503.23/mo at 40 — a difference of $-208.07/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 expanded bronze plans in Real County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Bronze Standard | UnitedHealthcare | $475.54 |
| UHC Bronze Standard+ (Dental + Vision) | UnitedHealthcare | $491.79 |
| Blue Advantage Bronze HMO℠ Standard | Blue Cross and Blue Shield of Texas | $557.57 |
| Blue Advantage Bronze HMO℠ 204 | Blue Cross and Blue Shield of Texas | $558.19 |
| Blue Advantage Plus Bronze℠ Standard | Blue Cross and Blue Shield of Texas | $573.54 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40220TX0080031 in FIPS 48385.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Real County
Reviewed by Jason Burns, Editorial Steward.