UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)
Gold · HMO · UnitedHealthcare · Ohio
At age 40 it costs between $817.25 and $985.05 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 | 33931OH0030032 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $500 |
| Most you could pay in a year | $7,700 |
| Family maximum | $15,400 |
| Primary care visit | $15 |
| Specialist visit | $65 |
| Emergency room | $500 |
| Inpatient stay | $1,500 Copay per Day |
| Generic drugs | $3 |
| 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 | $639.48 | $725.81 | $817.25 | $1,142.11 | $1,735.54 |
| Hardin County | $639.48 | $725.81 | $817.25 | $1,142.11 | $1,735.54 |
| Defiance County | $640.15 | $726.57 | $818.11 | $1,143.31 | $1,737.37 |
| Fulton County | $640.15 | $726.57 | $818.11 | $1,143.31 | $1,737.37 |
| Henry County | $640.15 | $726.57 | $818.11 | $1,143.31 | $1,737.37 |
| Lucas County | $640.15 | $726.57 | $818.11 | $1,143.31 | $1,737.37 |
| Williams County | $640.15 | $726.57 | $818.11 | $1,143.31 | $1,737.37 |
| Wood County | $640.15 | $726.57 | $818.11 | $1,143.31 | $1,737.37 |
| Erie County | $642.91 | $729.70 | $821.64 | $1,148.24 | $1,744.86 |
| Huron County | $642.91 | $729.70 | $821.64 | $1,148.24 | $1,744.86 |
| Ottawa County | $642.91 | $729.70 | $821.64 | $1,148.24 | $1,744.86 |
| Sandusky County | $642.91 | $729.70 | $821.64 | $1,148.24 | $1,744.86 |
| Seneca County | $642.91 | $729.70 | $821.64 | $1,148.24 | $1,744.86 |
| Wyandot County | $642.91 | $729.70 | $821.64 | $1,148.24 | $1,744.86 |
| Cuyahoga County | $644.65 | $731.68 | $823.86 | $1,151.35 | $1,749.58 |
| Lorain County | $644.65 | $731.68 | $823.86 | $1,151.35 | $1,749.58 |
| Champaign County | $657.90 | $746.71 | $840.79 | $1,175 | $1,785.53 |
| Clark County | $657.90 | $746.71 | $840.79 | $1,175 | $1,785.53 |
| Darke County | $657.90 | $746.71 | $840.79 | $1,175 | $1,785.53 |
| Greene County | $657.90 | $746.71 | $840.79 | $1,175 | $1,785.53 |
| Miami County | $657.90 | $746.71 | $840.79 | $1,175 | $1,785.53 |
| Montgomery County | $657.90 | $746.71 | $840.79 | $1,175 | $1,785.53 |
| Preble County | $657.90 | $746.71 | $840.79 | $1,175 | $1,785.53 |
| Shelby County | $657.90 | $746.71 | $840.79 | $1,175 | $1,785.53 |
| Columbiana County | $658.58 | $747.49 | $841.66 | $1,176.22 | $1,787.38 |
| Mahoning County | $658.58 | $747.49 | $841.66 | $1,176.22 | $1,787.38 |
| Trumbull County | $658.58 | $747.49 | $841.66 | $1,176.22 | $1,787.38 |
| Adams County | $669.78 | $760.20 | $855.97 | $1,196.22 | $1,817.77 |
| Brown County | $669.78 | $760.20 | $855.97 | $1,196.22 | $1,817.77 |
| Clermont County | $669.78 | $760.20 | $855.97 | $1,196.22 | $1,817.77 |
| Clinton County | $669.78 | $760.20 | $855.97 | $1,196.22 | $1,817.77 |
| Highland County | $669.78 | $760.20 | $855.97 | $1,196.22 | $1,817.77 |
| Butler County | $674.53 | $765.59 | $862.05 | $1,204.71 | $1,830.67 |
| Hamilton County | $674.53 | $765.59 | $862.05 | $1,204.71 | $1,830.67 |
| Warren County | $674.53 | $765.59 | $862.05 | $1,204.71 | $1,830.67 |
| Medina County | $690.64 | $783.88 | $882.64 | $1,233.49 | $1,874.41 |
| Portage County | $690.64 | $783.88 | $882.64 | $1,233.49 | $1,874.41 |
| Summit County | $690.64 | $783.88 | $882.64 | $1,233.49 | $1,874.41 |
| Franklin County | $770.77 | $874.83 | $985.05 | $1,376.60 | $2,091.88 |
| Logan County | $770.77 | $874.83 | $985.05 | $1,376.60 | $2,091.88 |
| Madison County | $770.77 | $874.83 | $985.05 | $1,376.60 | $2,091.88 |
| Union County | $770.77 | $874.83 | $985.05 | $1,376.60 | $2,091.88 |
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.