UHC Gold Standard (No Referrals)
Gold · HMO · UnitedHealthcare · Ohio
At age 40 it costs between $798.56 and $962.53 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 33931OH0030014 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| Adult dental included | No |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-800-331-4680 · TTY 1-800-331-4680 |
Where it is sold, and what it costs there
42 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Allen County | $624.85 | $709.21 | $798.56 | $1,115.99 | $1,695.86 |
| Hardin County | $624.85 | $709.21 | $798.56 | $1,115.99 | $1,695.86 |
| Defiance County | $625.51 | $709.96 | $799.41 | $1,117.17 | $1,697.65 |
| Fulton County | $625.51 | $709.96 | $799.41 | $1,117.17 | $1,697.65 |
| Henry County | $625.51 | $709.96 | $799.41 | $1,117.17 | $1,697.65 |
| Lucas County | $625.51 | $709.96 | $799.41 | $1,117.17 | $1,697.65 |
| Williams County | $625.51 | $709.96 | $799.41 | $1,117.17 | $1,697.65 |
| Wood County | $625.51 | $709.96 | $799.41 | $1,117.17 | $1,697.65 |
| Erie County | $628.21 | $713.02 | $802.85 | $1,121.98 | $1,704.96 |
| Huron County | $628.21 | $713.02 | $802.85 | $1,121.98 | $1,704.96 |
| Ottawa County | $628.21 | $713.02 | $802.85 | $1,121.98 | $1,704.96 |
| Sandusky County | $628.21 | $713.02 | $802.85 | $1,121.98 | $1,704.96 |
| Seneca County | $628.21 | $713.02 | $802.85 | $1,121.98 | $1,704.96 |
| Wyandot County | $628.21 | $713.02 | $802.85 | $1,121.98 | $1,704.96 |
| Cuyahoga County | $629.91 | $714.95 | $805.03 | $1,125.02 | $1,709.58 |
| Lorain County | $629.91 | $714.95 | $805.03 | $1,125.02 | $1,709.58 |
| Champaign County | $642.85 | $729.64 | $821.57 | $1,148.14 | $1,744.71 |
| Clark County | $642.85 | $729.64 | $821.57 | $1,148.14 | $1,744.71 |
| Darke County | $642.85 | $729.64 | $821.57 | $1,148.14 | $1,744.71 |
| Greene County | $642.85 | $729.64 | $821.57 | $1,148.14 | $1,744.71 |
| Miami County | $642.85 | $729.64 | $821.57 | $1,148.14 | $1,744.71 |
| Montgomery County | $642.85 | $729.64 | $821.57 | $1,148.14 | $1,744.71 |
| Preble County | $642.85 | $729.64 | $821.57 | $1,148.14 | $1,744.71 |
| Shelby County | $642.85 | $729.64 | $821.57 | $1,148.14 | $1,744.71 |
| Columbiana County | $643.52 | $730.40 | $822.42 | $1,149.33 | $1,746.51 |
| Mahoning County | $643.52 | $730.40 | $822.42 | $1,149.33 | $1,746.51 |
| Trumbull County | $643.52 | $730.40 | $822.42 | $1,149.33 | $1,746.51 |
| Adams County | $654.46 | $742.81 | $836.40 | $1,168.87 | $1,776.21 |
| Brown County | $654.46 | $742.81 | $836.40 | $1,168.87 | $1,776.21 |
| Clermont County | $654.46 | $742.81 | $836.40 | $1,168.87 | $1,776.21 |
| Clinton County | $654.46 | $742.81 | $836.40 | $1,168.87 | $1,776.21 |
| Highland County | $654.46 | $742.81 | $836.40 | $1,168.87 | $1,776.21 |
| Butler County | $659.11 | $748.08 | $842.34 | $1,177.16 | $1,788.81 |
| Hamilton County | $659.11 | $748.08 | $842.34 | $1,177.16 | $1,788.81 |
| Warren County | $659.11 | $748.08 | $842.34 | $1,177.16 | $1,788.81 |
| Medina County | $674.85 | $765.96 | $862.46 | $1,205.29 | $1,831.55 |
| Portage County | $674.85 | $765.96 | $862.46 | $1,205.29 | $1,831.55 |
| Summit County | $674.85 | $765.96 | $862.46 | $1,205.29 | $1,831.55 |
| Franklin County | $753.15 | $854.83 | $962.53 | $1,345.13 | $2,044.05 |
| Logan County | $753.15 | $854.83 | $962.53 | $1,345.13 | $2,044.05 |
| Madison County | $753.15 | $854.83 | $962.53 | $1,345.13 | $2,044.05 |
| Union County | $753.15 | $854.83 | $962.53 | $1,345.13 | $2,044.05 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.