UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — full price in Van Zandt County, Texas (2026)
UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) (40220TX0090008), a gold plan from UnitedHealthcare in Van Zandt County, Texas, costs $692.04/month full price for a 40-year-old in 2026 — $1469.64 at 60, with a $0 deductible and $7,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 40220TX0090008 · 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 | $541.50 |
| 27 | $567.50 |
| 30 | $614.61 |
| 40 | $692.04 |
| 50 | $967.13 |
| 60 | $1469.64 |
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 $672.12/mo. This plan is $692.04/mo at 40 — a difference of $19.92/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 Van Zandt County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| CHRISTUS Standard Gold ($0 Virtual Urgent Care) | CHRISTUS Health Plan | $561.13 |
| CHRISTUS Gold Essential ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $568.81 |
| CHRISTUS Gold Essential + Dental & Vision ($0 Rx Deductible, $5 PCP, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $584.12 |
| CHRISTUS Gold + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $591.79 |
| CHRISTUS Gold + Dental & Vision + Fitness ($0 Deductible, $5 PCP, $0 Generic Rx, $0 Virtual Urgent Care) | CHRISTUS Health Plan | $610.60 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40220TX0090008 in FIPS 48467.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Van Zandt County
Reviewed by Jason Burns, Editorial Steward.