UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — full price in Smith County, Texas (2026)
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) (40220TX0080031), a expanded bronze plan from UnitedHealthcare in Smith County, Texas, costs $548.96/month full price for a 40-year-old in 2026 — $1165.79 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 | $429.55 |
| 27 | $450.16 |
| 30 | $487.53 |
| 40 | $548.96 |
| 50 | $767.17 |
| 60 | $1165.79 |
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 $672.12/mo. This plan is $548.96/mo at 40 — a difference of $-123.16/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 Smith County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| CHRISTUS Standard Expanded Bronze ($0 Virtual Urgent Care) | CHRISTUS Health Plan | $426.88 |
| CHRISTUS Bronze (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $432.52 |
| CHRISTUS Bronze Essential (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $432.64 |
| CHRISTUS Bronze + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $444.29 |
| CHRISTUS Bronze Essential + Dental & Vision (2 Free PCP Visits, $0 Preferred Generic Rx, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $444.91 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40220TX0080031 in FIPS 48423.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Smith County
Reviewed by Jason Burns, Editorial Steward.