UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
Silver · HMO · UnitedHealthcare · Ohio
At age 40 it costs between $680.45 and $820.16 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 | $0 | $9,800 | $40 | $15 |
| up to 150% of the federal poverty level | $0 | $1,000 | $5 | $3 |
| 150% to 200% | $0 | $3,200 | $20 | $5 |
| 200% to 250% | $0 | $8,100 | $40 | $15 |
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 | 33931OH0030030 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $2,500 |
| Most you could pay in a year | $9,800 |
| Family maximum | $19,600 |
| Primary care visit | $40 |
| Specialist visit | $125 |
| Emergency room | $1,500 |
| Inpatient stay | $2,500 Copay per Day |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | 50% Coinsurance 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 | $532.43 | $604.31 | $680.45 | $950.93 | $1,445.03 |
| Hardin County | $532.43 | $604.31 | $680.45 | $950.93 | $1,445.03 |
| Defiance County | $533 | $604.95 | $681.17 | $951.93 | $1,446.55 |
| Fulton County | $533 | $604.95 | $681.17 | $951.93 | $1,446.55 |
| Henry County | $533 | $604.95 | $681.17 | $951.93 | $1,446.55 |
| Lucas County | $533 | $604.95 | $681.17 | $951.93 | $1,446.55 |
| Williams County | $533 | $604.95 | $681.17 | $951.93 | $1,446.55 |
| Wood County | $533 | $604.95 | $681.17 | $951.93 | $1,446.55 |
| Erie County | $535.29 | $607.56 | $684.10 | $956.03 | $1,452.78 |
| Huron County | $535.29 | $607.56 | $684.10 | $956.03 | $1,452.78 |
| Ottawa County | $535.29 | $607.56 | $684.10 | $956.03 | $1,452.78 |
| Sandusky County | $535.29 | $607.56 | $684.10 | $956.03 | $1,452.78 |
| Seneca County | $535.29 | $607.56 | $684.10 | $956.03 | $1,452.78 |
| Wyandot County | $535.29 | $607.56 | $684.10 | $956.03 | $1,452.78 |
| Cuyahoga County | $536.74 | $609.20 | $685.96 | $958.62 | $1,456.72 |
| Lorain County | $536.74 | $609.20 | $685.96 | $958.62 | $1,456.72 |
| Champaign County | $547.77 | $621.72 | $700.05 | $978.32 | $1,486.65 |
| Clark County | $547.77 | $621.72 | $700.05 | $978.32 | $1,486.65 |
| Darke County | $547.77 | $621.72 | $700.05 | $978.32 | $1,486.65 |
| Greene County | $547.77 | $621.72 | $700.05 | $978.32 | $1,486.65 |
| Miami County | $547.77 | $621.72 | $700.05 | $978.32 | $1,486.65 |
| Montgomery County | $547.77 | $621.72 | $700.05 | $978.32 | $1,486.65 |
| Preble County | $547.77 | $621.72 | $700.05 | $978.32 | $1,486.65 |
| Shelby County | $547.77 | $621.72 | $700.05 | $978.32 | $1,486.65 |
| Columbiana County | $548.34 | $622.36 | $700.78 | $979.33 | $1,488.19 |
| Mahoning County | $548.34 | $622.36 | $700.78 | $979.33 | $1,488.19 |
| Trumbull County | $548.34 | $622.36 | $700.78 | $979.33 | $1,488.19 |
| Adams County | $557.66 | $632.95 | $712.69 | $995.98 | $1,513.49 |
| Brown County | $557.66 | $632.95 | $712.69 | $995.98 | $1,513.49 |
| Clermont County | $557.66 | $632.95 | $712.69 | $995.98 | $1,513.49 |
| Clinton County | $557.66 | $632.95 | $712.69 | $995.98 | $1,513.49 |
| Highland County | $557.66 | $632.95 | $712.69 | $995.98 | $1,513.49 |
| Butler County | $561.62 | $637.44 | $717.75 | $1,003.05 | $1,524.23 |
| Hamilton County | $561.62 | $637.44 | $717.75 | $1,003.05 | $1,524.23 |
| Warren County | $561.62 | $637.44 | $717.75 | $1,003.05 | $1,524.23 |
| Medina County | $575.04 | $652.67 | $734.90 | $1,027.01 | $1,560.65 |
| Portage County | $575.04 | $652.67 | $734.90 | $1,027.01 | $1,560.65 |
| Summit County | $575.04 | $652.67 | $734.90 | $1,027.01 | $1,560.65 |
| Franklin County | $641.75 | $728.39 | $820.16 | $1,146.17 | $1,741.72 |
| Logan County | $641.75 | $728.39 | $820.16 | $1,146.17 | $1,741.72 |
| Madison County | $641.75 | $728.39 | $820.16 | $1,146.17 | $1,741.72 |
| Union County | $641.75 | $728.39 | $820.16 | $1,146.17 | $1,741.72 |
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.
Get told when this changes
When this plan’s price or benefits change.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not an insurance agent or broker: this is a notification about published data, not a sales call. Privacy.
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.