UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — full price in Laramie County, Wyoming (2026)
UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) (49714WY0200007), a gold plan from UnitedHealthcare in Laramie County, Wyoming, costs $1140.75/month full price for a 40-year-old in 2026 — $2422.54 at 60, with a $2,000 deductible and $8,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 49714WY0200007 · 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 | $892.61 |
| 27 | $935.45 |
| 30 | $1013.11 |
| 40 | $1140.75 |
| 50 | $1594.20 |
| 60 | $2422.54 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,600
- Family out-of-pocket max: $17,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $1027.31/mo. This plan is $1140.75/mo at 40 — a difference of $113.44/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 Laramie County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BlueSelect Gold Core | Blue Cross Blue Shield of Wyoming | $942.56 |
| BlueSelect Gold HealthPlus | Blue Cross Blue Shield of Wyoming | $959.22 |
| BlueSelect Gold Standard without Kid's Dental | Blue Cross Blue Shield of Wyoming | $976.68 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $1142.35 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) | UnitedHealthcare | $1179.48 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 49714WY0200007 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.