UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — full price in Willacy 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 Willacy County, Texas, costs $731.38/month full price for a 40-year-old in 2026 — $1553.17 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 | $572.28 |
| 27 | $599.75 |
| 30 | $649.54 |
| 40 | $731.38 |
| 50 | $1022.09 |
| 60 | $1553.17 |
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 $718.02/mo. This plan is $731.38/mo at 40 — a difference of $13.36/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 gold plans in Willacy County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Advantage Gold HMO℠ 206 | Blue Cross and Blue Shield of Texas | $597.99 |
| Blue Advantage Plus Gold℠ 803 | Blue Cross and Blue Shield of Texas | $605.99 |
| Blue Advantage Gold HMO℠ Standard | Blue Cross and Blue Shield of Texas | $610.36 |
| Blue Advantage Plus Gold℠ 203 | Blue Cross and Blue Shield of Texas | $613.13 |
| Gold Classic Standard | Oscar Insurance Company | $627.77 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 40220TX0090008 in FIPS 48489.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Willacy County
Reviewed by Jason Burns, Editorial Steward.