UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals)
Silver · HMO · UnitedHealthcare · Ohio
At age 40 it costs between $675.41 and $814.08 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 | $3,250 | $10,600 | $20 | $8 |
| up to 150% of the federal poverty level | $100 | $1,200 | $5 | $1 |
| 150% to 200% | $1,200 | $3,000 | $10 | $3 |
| 200% to 250% | $3,100 | $8,450 | $20 | $8 |
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 | 33931OH0030031 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $3,250 |
| Deductible (family) | $6,500 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $20 |
| Specialist visit | $85 |
| Emergency room | $1,000 Copay after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $8 |
| Preferred brand drugs | $85 Copay after deductible |
| 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 | $528.49 | $599.83 | $675.41 | $943.88 | $1,434.31 |
| Hardin County | $528.49 | $599.83 | $675.41 | $943.88 | $1,434.31 |
| Defiance County | $529.04 | $600.47 | $676.12 | $944.87 | $1,435.83 |
| Fulton County | $529.04 | $600.47 | $676.12 | $944.87 | $1,435.83 |
| Henry County | $529.04 | $600.47 | $676.12 | $944.87 | $1,435.83 |
| Lucas County | $529.04 | $600.47 | $676.12 | $944.87 | $1,435.83 |
| Williams County | $529.04 | $600.47 | $676.12 | $944.87 | $1,435.83 |
| Wood County | $529.04 | $600.47 | $676.12 | $944.87 | $1,435.83 |
| Erie County | $531.32 | $603.05 | $679.03 | $948.94 | $1,442.01 |
| Huron County | $531.32 | $603.05 | $679.03 | $948.94 | $1,442.01 |
| Ottawa County | $531.32 | $603.05 | $679.03 | $948.94 | $1,442.01 |
| Sandusky County | $531.32 | $603.05 | $679.03 | $948.94 | $1,442.01 |
| Seneca County | $531.32 | $603.05 | $679.03 | $948.94 | $1,442.01 |
| Wyandot County | $531.32 | $603.05 | $679.03 | $948.94 | $1,442.01 |
| Cuyahoga County | $532.76 | $604.69 | $680.87 | $951.51 | $1,445.92 |
| Lorain County | $532.76 | $604.69 | $680.87 | $951.51 | $1,445.92 |
| Champaign County | $543.71 | $617.11 | $694.86 | $971.07 | $1,475.63 |
| Clark County | $543.71 | $617.11 | $694.86 | $971.07 | $1,475.63 |
| Darke County | $543.71 | $617.11 | $694.86 | $971.07 | $1,475.63 |
| Greene County | $543.71 | $617.11 | $694.86 | $971.07 | $1,475.63 |
| Miami County | $543.71 | $617.11 | $694.86 | $971.07 | $1,475.63 |
| Montgomery County | $543.71 | $617.11 | $694.86 | $971.07 | $1,475.63 |
| Preble County | $543.71 | $617.11 | $694.86 | $971.07 | $1,475.63 |
| Shelby County | $543.71 | $617.11 | $694.86 | $971.07 | $1,475.63 |
| Columbiana County | $544.27 | $617.75 | $695.58 | $972.07 | $1,477.16 |
| Mahoning County | $544.27 | $617.75 | $695.58 | $972.07 | $1,477.16 |
| Trumbull County | $544.27 | $617.75 | $695.58 | $972.07 | $1,477.16 |
| Adams County | $553.53 | $628.25 | $707.41 | $988.60 | $1,502.27 |
| Brown County | $553.53 | $628.25 | $707.41 | $988.60 | $1,502.27 |
| Clermont County | $553.53 | $628.25 | $707.41 | $988.60 | $1,502.27 |
| Clinton County | $553.53 | $628.25 | $707.41 | $988.60 | $1,502.27 |
| Highland County | $553.53 | $628.25 | $707.41 | $988.60 | $1,502.27 |
| Butler County | $557.45 | $632.71 | $712.43 | $995.61 | $1,512.93 |
| Hamilton County | $557.45 | $632.71 | $712.43 | $995.61 | $1,512.93 |
| Warren County | $557.45 | $632.71 | $712.43 | $995.61 | $1,512.93 |
| Medina County | $570.77 | $647.83 | $729.45 | $1,019.40 | $1,549.08 |
| Portage County | $570.77 | $647.83 | $729.45 | $1,019.40 | $1,549.08 |
| Summit County | $570.77 | $647.83 | $729.45 | $1,019.40 | $1,549.08 |
| Franklin County | $637 | $722.99 | $814.08 | $1,137.67 | $1,728.81 |
| Logan County | $637 | $722.99 | $814.08 | $1,137.67 | $1,728.81 |
| Madison County | $637 | $722.99 | $814.08 | $1,137.67 | $1,728.81 |
| Union County | $637 | $722.99 | $814.08 | $1,137.67 | $1,728.81 |
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.