UHC Silver Standard (No Referrals)
Silver · HMO · UnitedHealthcare · Ohio
At age 40 it costs between $672.05 and $810.04 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 33931OH0030021 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay after deductible |
| 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 | $525.86 | $596.85 | $672.05 | $939.19 | $1,427.19 |
| Hardin County | $525.86 | $596.85 | $672.05 | $939.19 | $1,427.19 |
| Defiance County | $526.42 | $597.48 | $672.76 | $940.18 | $1,428.70 |
| Fulton County | $526.42 | $597.48 | $672.76 | $940.18 | $1,428.70 |
| Henry County | $526.42 | $597.48 | $672.76 | $940.18 | $1,428.70 |
| Lucas County | $526.42 | $597.48 | $672.76 | $940.18 | $1,428.70 |
| Williams County | $526.42 | $597.48 | $672.76 | $940.18 | $1,428.70 |
| Wood County | $526.42 | $597.48 | $672.76 | $940.18 | $1,428.70 |
| Erie County | $528.69 | $600.06 | $675.66 | $944.23 | $1,434.85 |
| Huron County | $528.69 | $600.06 | $675.66 | $944.23 | $1,434.85 |
| Ottawa County | $528.69 | $600.06 | $675.66 | $944.23 | $1,434.85 |
| Sandusky County | $528.69 | $600.06 | $675.66 | $944.23 | $1,434.85 |
| Seneca County | $528.69 | $600.06 | $675.66 | $944.23 | $1,434.85 |
| Wyandot County | $528.69 | $600.06 | $675.66 | $944.23 | $1,434.85 |
| Cuyahoga County | $530.12 | $601.68 | $677.49 | $946.79 | $1,438.74 |
| Lorain County | $530.12 | $601.68 | $677.49 | $946.79 | $1,438.74 |
| Champaign County | $541.01 | $614.05 | $691.41 | $966.24 | $1,468.30 |
| Clark County | $541.01 | $614.05 | $691.41 | $966.24 | $1,468.30 |
| Darke County | $541.01 | $614.05 | $691.41 | $966.24 | $1,468.30 |
| Greene County | $541.01 | $614.05 | $691.41 | $966.24 | $1,468.30 |
| Miami County | $541.01 | $614.05 | $691.41 | $966.24 | $1,468.30 |
| Montgomery County | $541.01 | $614.05 | $691.41 | $966.24 | $1,468.30 |
| Preble County | $541.01 | $614.05 | $691.41 | $966.24 | $1,468.30 |
| Shelby County | $541.01 | $614.05 | $691.41 | $966.24 | $1,468.30 |
| Columbiana County | $541.57 | $614.68 | $692.13 | $967.24 | $1,469.82 |
| Mahoning County | $541.57 | $614.68 | $692.13 | $967.24 | $1,469.82 |
| Trumbull County | $541.57 | $614.68 | $692.13 | $967.24 | $1,469.82 |
| Adams County | $550.78 | $625.13 | $703.89 | $983.69 | $1,494.81 |
| Brown County | $550.78 | $625.13 | $703.89 | $983.69 | $1,494.81 |
| Clermont County | $550.78 | $625.13 | $703.89 | $983.69 | $1,494.81 |
| Clinton County | $550.78 | $625.13 | $703.89 | $983.69 | $1,494.81 |
| Highland County | $550.78 | $625.13 | $703.89 | $983.69 | $1,494.81 |
| Butler County | $554.69 | $629.57 | $708.89 | $990.67 | $1,505.42 |
| Hamilton County | $554.69 | $629.57 | $708.89 | $990.67 | $1,505.42 |
| Warren County | $554.69 | $629.57 | $708.89 | $990.67 | $1,505.42 |
| Medina County | $567.94 | $644.61 | $725.83 | $1,014.34 | $1,541.39 |
| Portage County | $567.94 | $644.61 | $725.83 | $1,014.34 | $1,541.39 |
| Summit County | $567.94 | $644.61 | $725.83 | $1,014.34 | $1,541.39 |
| Franklin County | $633.83 | $719.40 | $810.04 | $1,132.03 | $1,720.22 |
| Logan County | $633.83 | $719.40 | $810.04 | $1,132.03 | $1,720.22 |
| Madison County | $633.83 | $719.40 | $810.04 | $1,132.03 | $1,720.22 |
| Union County | $633.83 | $719.40 | $810.04 | $1,132.03 | $1,720.22 |
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.