UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Laramie County, Wyoming (2026)
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) (49714WY0200002), a expanded bronze plan from UnitedHealthcare in Laramie County, Wyoming, costs $960.86/month full price for a 40-year-old in 2026 — $2040.51 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 49714WY0200002 · 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 | $751.85 |
| 27 | $787.94 |
| 30 | $853.35 |
| 40 | $960.86 |
| 50 | $1342.80 |
| 60 | $2040.51 |
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 $1027.31/mo. This plan is $960.86/mo at 40 — a difference of $-66.45/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 Laramie County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BlueSelect Bronze Core | Blue Cross Blue Shield of Wyoming | $772.66 |
| BlueSelect Expanded Bronze Standard without Kid's Dental | Blue Cross Blue Shield of Wyoming | $860.97 |
| UHC Bronze Standard (No Referrals) | UnitedHealthcare | $932.71 |
| UHC Bronze Value HSA (No Referrals) | UnitedHealthcare | $940.32 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | UnitedHealthcare | $979.89 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 49714WY0200002 in FIPS 56021.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Laramie County
Reviewed by Jason Burns, Editorial Steward.