UHC Gold Standard
Gold · HMO · UnitedHealthcare · Texas
At age 40 it costs between $593.92 and $1,168.31 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 | 40220TX0080024 |
|---|---|
| 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 | 1-866-811-2704 · TTY 1-866-811-2704 |
Where it is sold, and what it costs there
218 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 |
|---|---|---|---|---|---|
| Brazos County | $464.73 | $527.47 | $593.92 | $830 | $1,261.27 |
| Burleson County | $464.73 | $527.47 | $593.92 | $830 | $1,261.27 |
| Grimes County | $464.73 | $527.47 | $593.92 | $830 | $1,261.27 |
| Leon County | $464.73 | $527.47 | $593.92 | $830 | $1,261.27 |
| Madison County | $464.73 | $527.47 | $593.92 | $830 | $1,261.27 |
| Milam County | $464.73 | $527.47 | $593.92 | $830 | $1,261.27 |
| Robertson County | $464.73 | $527.47 | $593.92 | $830 | $1,261.27 |
| Blanco County | $467.54 | $530.66 | $597.51 | $835.02 | $1,268.90 |
| Burnet County | $467.54 | $530.66 | $597.51 | $835.02 | $1,268.90 |
| Caldwell County | $467.54 | $530.66 | $597.51 | $835.02 | $1,268.90 |
| Fayette County | $467.54 | $530.66 | $597.51 | $835.02 | $1,268.90 |
| Hays County | $467.54 | $530.66 | $597.51 | $835.02 | $1,268.90 |
| Lee County | $467.54 | $530.66 | $597.51 | $835.02 | $1,268.90 |
| Llano County | $467.54 | $530.66 | $597.51 | $835.02 | $1,268.90 |
| Travis County | $467.54 | $530.66 | $597.51 | $835.02 | $1,268.90 |
| Williamson County | $467.54 | $530.66 | $597.51 | $835.02 | $1,268.90 |
| Atascosa County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Bandera County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Bexar County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Comal County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Dimmit County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Edwards County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Frio County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Gillespie County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Gonzales County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Guadalupe County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Kendall County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Kerr County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Kinney County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| La Salle County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Maverick County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Medina County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Real County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Uvalde County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Val Verde County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Wilson County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Zavala County | $472.66 | $536.47 | $604.06 | $844.17 | $1,282.80 |
| Jack County | $476.50 | $540.83 | $608.97 | $851.03 | $1,293.22 |
| Montague County | $476.50 | $540.83 | $608.97 | $851.03 | $1,293.22 |
| Young County | $476.50 | $540.83 | $608.97 | $851.03 | $1,293.22 |
| Angelina County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Hardin County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Houston County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Jasper County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Jefferson County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Nacogdoches County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Newton County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Orange County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Polk County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Sabine County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| San Augustine County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| San Jacinto County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Shelby County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Trinity County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Tyler County | $476.70 | $541.06 | $609.23 | $851.39 | $1,293.77 |
| Austin County | $483.17 | $548.40 | $617.49 | $862.94 | $1,311.32 |
| Brazoria County | $483.17 | $548.40 | $617.49 | $862.94 | $1,311.32 |
| Colorado County | $483.17 | $548.40 | $617.49 | $862.94 | $1,311.32 |
| Fort Bend County | $483.17 | $548.40 | $617.49 | $862.94 | $1,311.32 |
| Matagorda County | $483.17 | $548.40 | $617.49 | $862.94 | $1,311.32 |
| Waller County | $483.17 | $548.40 | $617.49 | $862.94 | $1,311.32 |
| Wharton County | $483.17 | $548.40 | $617.49 | $862.94 | $1,311.32 |
| Chambers County | $486.28 | $551.93 | $621.47 | $868.50 | $1,319.77 |
| Liberty County | $486.28 | $551.93 | $621.47 | $868.50 | $1,319.77 |
| Montgomery County | $486.28 | $551.93 | $621.47 | $868.50 | $1,319.77 |
| Walker County | $486.28 | $551.93 | $621.47 | $868.50 | $1,319.77 |
| Aransas County | $495.82 | $562.76 | $633.66 | $885.54 | $1,345.67 |
| Bee County | $495.82 | $562.76 | $633.66 | $885.54 | $1,345.67 |
| Jim Wells County | $495.82 | $562.76 | $633.66 | $885.54 | $1,345.67 |
| Kleberg County | $495.82 | $562.76 | $633.66 | $885.54 | $1,345.67 |
| Live Oak County | $495.82 | $562.76 | $633.66 | $885.54 | $1,345.67 |
| Nueces County | $495.82 | $562.76 | $633.66 | $885.54 | $1,345.67 |
| Refugio County | $495.82 | $562.76 | $633.66 | $885.54 | $1,345.67 |
| San Patricio County | $495.82 | $562.76 | $633.66 | $885.54 | $1,345.67 |
| Brewster County | $500.03 | $567.54 | $639.04 | $893.06 | $1,357.09 |
| Culberson County | $500.03 | $567.54 | $639.04 | $893.06 | $1,357.09 |
| El Paso County | $500.03 | $567.54 | $639.04 | $893.06 | $1,357.09 |
| Hudspeth County | $500.03 | $567.54 | $639.04 | $893.06 | $1,357.09 |
| Jeff Davis County | $500.03 | $567.54 | $639.04 | $893.06 | $1,357.09 |
| Presidio County | $500.03 | $567.54 | $639.04 | $893.06 | $1,357.09 |
| Galveston County | $507.52 | $576.03 | $648.61 | $906.43 | $1,377.41 |
| Harris County | $507.52 | $576.03 | $648.61 | $906.43 | $1,377.41 |
| Anderson County | $515.61 | $585.21 | $658.95 | $920.87 | $1,399.36 |
| Cherokee County | $515.61 | $585.21 | $658.95 | $920.87 | $1,399.36 |
| Henderson County | $515.61 | $585.21 | $658.95 | $920.87 | $1,399.36 |
| Rains County | $515.61 | $585.21 | $658.95 | $920.87 | $1,399.36 |
| Smith County | $515.61 | $585.21 | $658.95 | $920.87 | $1,399.36 |
| Van Zandt County | $515.61 | $585.21 | $658.95 | $920.87 | $1,399.36 |
| Wood County | $515.61 | $585.21 | $658.95 | $920.87 | $1,399.36 |
| Bell County | $527.54 | $598.75 | $674.19 | $942.18 | $1,431.73 |
| Coryell County | $527.54 | $598.75 | $674.19 | $942.18 | $1,431.73 |
| Hamilton County | $527.54 | $598.75 | $674.19 | $942.18 | $1,431.73 |
| Lampasas County | $527.54 | $598.75 | $674.19 | $942.18 | $1,431.73 |
| Mills County | $527.54 | $598.75 | $674.19 | $942.18 | $1,431.73 |
| San Saba County | $527.54 | $598.75 | $674.19 | $942.18 | $1,431.73 |
| Gregg County | $531.28 | $603 | $678.97 | $948.86 | $1,441.88 |
| Harrison County | $531.28 | $603 | $678.97 | $948.86 | $1,441.88 |
| Marion County | $531.28 | $603 | $678.97 | $948.86 | $1,441.88 |
| Panola County | $531.28 | $603 | $678.97 | $948.86 | $1,441.88 |
| Rusk County | $531.28 | $603 | $678.97 | $948.86 | $1,441.88 |
| Upshur County | $531.28 | $603 | $678.97 | $948.86 | $1,441.88 |
| Andrews County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Borden County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Crane County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Dawson County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Ector County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Gaines County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Glasscock County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Howard County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Loving County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Martin County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Midland County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Pecos County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Reeves County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Terrell County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Upton County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Ward County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Winkler County | $534.23 | $606.36 | $682.75 | $954.14 | $1,449.91 |
| Cameron County | $544.91 | $618.48 | $696.40 | $973.21 | $1,478.89 |
| Kenedy County | $544.91 | $618.48 | $696.40 | $973.21 | $1,478.89 |
| Willacy County | $544.91 | $618.48 | $696.40 | $973.21 | $1,478.89 |
| Bowie County | $545.23 | $618.83 | $696.80 | $973.77 | $1,479.74 |
| Camp County | $545.23 | $618.83 | $696.80 | $973.77 | $1,479.74 |
| Cass County | $545.23 | $618.83 | $696.80 | $973.77 | $1,479.74 |
| Delta County | $545.23 | $618.83 | $696.80 | $973.77 | $1,479.74 |
| Franklin County | $545.23 | $618.83 | $696.80 | $973.77 | $1,479.74 |
| Hopkins County | $545.23 | $618.83 | $696.80 | $973.77 | $1,479.74 |
| Lamar County | $545.23 | $618.83 | $696.80 | $973.77 | $1,479.74 |
| Morris County | $545.23 | $618.83 | $696.80 | $973.77 | $1,479.74 |
| Red River County | $545.23 | $618.83 | $696.80 | $973.77 | $1,479.74 |
| Titus County | $545.23 | $618.83 | $696.80 | $973.77 | $1,479.74 |
| Calhoun County | $545.59 | $619.24 | $697.26 | $974.42 | $1,480.72 |
| De Witt County | $545.59 | $619.24 | $697.26 | $974.42 | $1,480.72 |
| Goliad County | $545.59 | $619.24 | $697.26 | $974.42 | $1,480.72 |
| Jackson County | $545.59 | $619.24 | $697.26 | $974.42 | $1,480.72 |
| Karnes County | $545.59 | $619.24 | $697.26 | $974.42 | $1,480.72 |
| Lavaca County | $545.59 | $619.24 | $697.26 | $974.42 | $1,480.72 |
| Victoria County | $545.59 | $619.24 | $697.26 | $974.42 | $1,480.72 |
| Armstrong County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Briscoe County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Carson County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Castro County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Childress County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Collingsworth County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Dallam County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Deaf Smith County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Donley County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Gray County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Hall County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Hansford County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Hartley County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Hemphill County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Hutchinson County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Lipscomb County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Moore County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Ochiltree County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Oldham County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Parmer County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Potter County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Randall County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Roberts County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Sherman County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Swisher County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Wheeler County | $546.55 | $620.34 | $698.49 | $976.14 | $1,483.34 |
| Denton County | $548.71 | $622.78 | $701.25 | $979.99 | $1,489.19 |
| Erath County | $548.71 | $622.78 | $701.25 | $979.99 | $1,489.19 |
| Hood County | $548.71 | $622.78 | $701.25 | $979.99 | $1,489.19 |
| Johnson County | $548.71 | $622.78 | $701.25 | $979.99 | $1,489.19 |
| Palo Pinto County | $548.71 | $622.78 | $701.25 | $979.99 | $1,489.19 |
| Parker County | $548.71 | $622.78 | $701.25 | $979.99 | $1,489.19 |
| Somervell County | $548.71 | $622.78 | $701.25 | $979.99 | $1,489.19 |
| Tarrant County | $548.71 | $622.78 | $701.25 | $979.99 | $1,489.19 |
| Wise County | $548.71 | $622.78 | $701.25 | $979.99 | $1,489.19 |
| Brooks County | $549.91 | $624.15 | $702.78 | $982.14 | $1,492.46 |
| Hidalgo County | $549.91 | $624.15 | $702.78 | $982.14 | $1,492.46 |
| Starr County | $549.91 | $624.15 | $702.78 | $982.14 | $1,492.46 |
| Bailey County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Cochran County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Crosby County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Dickens County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Floyd County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Garza County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Hale County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Hockley County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| King County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Lamb County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Lubbock County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Lynn County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Motley County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Terry County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Yoakum County | $551.13 | $625.53 | $704.34 | $984.31 | $1,495.75 |
| Collin County | $572.71 | $650.03 | $731.92 | $1,022.86 | $1,554.34 |
| Dallas County | $572.71 | $650.03 | $731.92 | $1,022.86 | $1,554.34 |
| Ellis County | $572.71 | $650.03 | $731.92 | $1,022.86 | $1,554.34 |
| Hunt County | $572.71 | $650.03 | $731.92 | $1,022.86 | $1,554.34 |
| Navarro County | $572.71 | $650.03 | $731.92 | $1,022.86 | $1,554.34 |
| Rockwall County | $572.71 | $650.03 | $731.92 | $1,022.86 | $1,554.34 |
| Cooke County | $577.25 | $655.18 | $737.73 | $1,030.97 | $1,566.66 |
| Fannin County | $577.25 | $655.18 | $737.73 | $1,030.97 | $1,566.66 |
| Grayson County | $577.25 | $655.18 | $737.73 | $1,030.97 | $1,566.66 |
| Duval County | $596.14 | $676.62 | $761.87 | $1,064.71 | $1,617.93 |
| Jim Hogg County | $596.14 | $676.62 | $761.87 | $1,064.71 | $1,617.93 |
| McMullen County | $596.14 | $676.62 | $761.87 | $1,064.71 | $1,617.93 |
| Webb County | $596.14 | $676.62 | $761.87 | $1,064.71 | $1,617.93 |
| Zapata County | $596.14 | $676.62 | $761.87 | $1,064.71 | $1,617.93 |
| Coke County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
| Concho County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
| Crockett County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
| Irion County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
| Kimble County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
| Mason County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
| McCulloch County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
| Menard County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
| Reagan County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
| Schleicher County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
| Sterling County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
| Sutton County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
| Tom Green County | $914.17 | $1,037.58 | $1,168.31 | $1,632.71 | $2,481.06 |
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.