UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx)
Silver · HMO · UnitedHealthcare · Texas
At age 40 it costs between $700.18 and $1,377.34 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 | $3,500 | $9,200 | $15 | $5 |
| up to 150% of the federal poverty level | $150 | $1,500 | $5 | $1 |
| 150% to 200% | $1,000 | $3,050 | $10 | $3 |
| 200% to 250% | $3,200 | $7,350 | $15 | $5 |
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 | 40220TX0080026 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $3,500 |
| Deductible (family) | $7,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,200 |
| Family maximum | $18,400 |
| Primary care visit | $15 |
| Specialist visit | $100 |
| Emergency room | $1,000 Copay after deductible |
| Inpatient stay | 30% Coinsurance after deductible |
| Generic drugs | $5 |
| 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 | 1-866-811-2704 · TTY 1-866-811-2704 |
Where it is sold, and what it costs there
213 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 | $547.87 | $621.84 | $700.18 | $978.50 | $1,486.93 |
| Burleson County | $547.87 | $621.84 | $700.18 | $978.50 | $1,486.93 |
| Grimes County | $547.87 | $621.84 | $700.18 | $978.50 | $1,486.93 |
| Leon County | $547.87 | $621.84 | $700.18 | $978.50 | $1,486.93 |
| Madison County | $547.87 | $621.84 | $700.18 | $978.50 | $1,486.93 |
| Milam County | $547.87 | $621.84 | $700.18 | $978.50 | $1,486.93 |
| Robertson County | $547.87 | $621.84 | $700.18 | $978.50 | $1,486.93 |
| Blanco County | $551.19 | $625.60 | $704.42 | $984.42 | $1,495.92 |
| Burnet County | $551.19 | $625.60 | $704.42 | $984.42 | $1,495.92 |
| Caldwell County | $551.19 | $625.60 | $704.42 | $984.42 | $1,495.92 |
| Fayette County | $551.19 | $625.60 | $704.42 | $984.42 | $1,495.92 |
| Hays County | $551.19 | $625.60 | $704.42 | $984.42 | $1,495.92 |
| Lee County | $551.19 | $625.60 | $704.42 | $984.42 | $1,495.92 |
| Llano County | $551.19 | $625.60 | $704.42 | $984.42 | $1,495.92 |
| Travis County | $551.19 | $625.60 | $704.42 | $984.42 | $1,495.92 |
| Williamson County | $551.19 | $625.60 | $704.42 | $984.42 | $1,495.92 |
| Atascosa County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Bandera County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Bexar County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Comal County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Dimmit County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Edwards County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Frio County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Gillespie County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Gonzales County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Guadalupe County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Kendall County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Kerr County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Kinney County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| La Salle County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Maverick County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Medina County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Real County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Uvalde County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Val Verde County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Wilson County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Zavala County | $557.22 | $632.45 | $712.13 | $995.20 | $1,512.31 |
| Jack County | $561.75 | $637.59 | $717.92 | $1,003.29 | $1,524.60 |
| Montague County | $561.75 | $637.59 | $717.92 | $1,003.29 | $1,524.60 |
| Young County | $561.75 | $637.59 | $717.92 | $1,003.29 | $1,524.60 |
| Angelina County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Hardin County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Houston County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Jasper County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Jefferson County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Nacogdoches County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Newton County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Orange County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Polk County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Sabine County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| San Augustine County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| San Jacinto County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Shelby County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Trinity County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Tyler County | $561.99 | $637.86 | $718.22 | $1,003.72 | $1,525.24 |
| Austin County | $569.62 | $646.51 | $727.97 | $1,017.33 | $1,545.94 |
| Colorado County | $569.62 | $646.51 | $727.97 | $1,017.33 | $1,545.94 |
| Matagorda County | $569.62 | $646.51 | $727.97 | $1,017.33 | $1,545.94 |
| Waller County | $569.62 | $646.51 | $727.97 | $1,017.33 | $1,545.94 |
| Wharton County | $569.62 | $646.51 | $727.97 | $1,017.33 | $1,545.94 |
| Chambers County | $573.28 | $650.68 | $732.66 | $1,023.89 | $1,555.89 |
| Liberty County | $573.28 | $650.68 | $732.66 | $1,023.89 | $1,555.89 |
| Walker County | $573.28 | $650.68 | $732.66 | $1,023.89 | $1,555.89 |
| Aransas County | $584.53 | $663.45 | $747.04 | $1,043.98 | $1,586.43 |
| Bee County | $584.53 | $663.45 | $747.04 | $1,043.98 | $1,586.43 |
| Jim Wells County | $584.53 | $663.45 | $747.04 | $1,043.98 | $1,586.43 |
| Kleberg County | $584.53 | $663.45 | $747.04 | $1,043.98 | $1,586.43 |
| Live Oak County | $584.53 | $663.45 | $747.04 | $1,043.98 | $1,586.43 |
| Nueces County | $584.53 | $663.45 | $747.04 | $1,043.98 | $1,586.43 |
| Refugio County | $584.53 | $663.45 | $747.04 | $1,043.98 | $1,586.43 |
| San Patricio County | $584.53 | $663.45 | $747.04 | $1,043.98 | $1,586.43 |
| Brewster County | $589.50 | $669.08 | $753.38 | $1,052.84 | $1,599.90 |
| Culberson County | $589.50 | $669.08 | $753.38 | $1,052.84 | $1,599.90 |
| El Paso County | $589.50 | $669.08 | $753.38 | $1,052.84 | $1,599.90 |
| Hudspeth County | $589.50 | $669.08 | $753.38 | $1,052.84 | $1,599.90 |
| Jeff Davis County | $589.50 | $669.08 | $753.38 | $1,052.84 | $1,599.90 |
| Presidio County | $589.50 | $669.08 | $753.38 | $1,052.84 | $1,599.90 |
| Anderson County | $607.86 | $689.92 | $776.84 | $1,085.63 | $1,649.72 |
| Cherokee County | $607.86 | $689.92 | $776.84 | $1,085.63 | $1,649.72 |
| Henderson County | $607.86 | $689.92 | $776.84 | $1,085.63 | $1,649.72 |
| Rains County | $607.86 | $689.92 | $776.84 | $1,085.63 | $1,649.72 |
| Smith County | $607.86 | $689.92 | $776.84 | $1,085.63 | $1,649.72 |
| Van Zandt County | $607.86 | $689.92 | $776.84 | $1,085.63 | $1,649.72 |
| Wood County | $607.86 | $689.92 | $776.84 | $1,085.63 | $1,649.72 |
| Bell County | $621.92 | $705.88 | $794.81 | $1,110.75 | $1,687.89 |
| Coryell County | $621.92 | $705.88 | $794.81 | $1,110.75 | $1,687.89 |
| Hamilton County | $621.92 | $705.88 | $794.81 | $1,110.75 | $1,687.89 |
| Lampasas County | $621.92 | $705.88 | $794.81 | $1,110.75 | $1,687.89 |
| Mills County | $621.92 | $705.88 | $794.81 | $1,110.75 | $1,687.89 |
| San Saba County | $621.92 | $705.88 | $794.81 | $1,110.75 | $1,687.89 |
| Gregg County | $626.33 | $710.88 | $800.45 | $1,118.62 | $1,699.86 |
| Harrison County | $626.33 | $710.88 | $800.45 | $1,118.62 | $1,699.86 |
| Marion County | $626.33 | $710.88 | $800.45 | $1,118.62 | $1,699.86 |
| Panola County | $626.33 | $710.88 | $800.45 | $1,118.62 | $1,699.86 |
| Rusk County | $626.33 | $710.88 | $800.45 | $1,118.62 | $1,699.86 |
| Upshur County | $626.33 | $710.88 | $800.45 | $1,118.62 | $1,699.86 |
| Andrews County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Borden County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Crane County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Dawson County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Ector County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Gaines County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Glasscock County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Howard County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Loving County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Martin County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Midland County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Pecos County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Reeves County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Terrell County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Upton County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Ward County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Winkler County | $629.82 | $714.84 | $804.91 | $1,124.85 | $1,709.32 |
| Cameron County | $642.41 | $729.13 | $820.99 | $1,147.34 | $1,743.49 |
| Kenedy County | $642.41 | $729.13 | $820.99 | $1,147.34 | $1,743.49 |
| Willacy County | $642.41 | $729.13 | $820.99 | $1,147.34 | $1,743.49 |
| Bowie County | $642.78 | $729.55 | $821.47 | $1,148 | $1,744.49 |
| Camp County | $642.78 | $729.55 | $821.47 | $1,148 | $1,744.49 |
| Cass County | $642.78 | $729.55 | $821.47 | $1,148 | $1,744.49 |
| Delta County | $642.78 | $729.55 | $821.47 | $1,148 | $1,744.49 |
| Franklin County | $642.78 | $729.55 | $821.47 | $1,148 | $1,744.49 |
| Hopkins County | $642.78 | $729.55 | $821.47 | $1,148 | $1,744.49 |
| Lamar County | $642.78 | $729.55 | $821.47 | $1,148 | $1,744.49 |
| Morris County | $642.78 | $729.55 | $821.47 | $1,148 | $1,744.49 |
| Red River County | $642.78 | $729.55 | $821.47 | $1,148 | $1,744.49 |
| Titus County | $642.78 | $729.55 | $821.47 | $1,148 | $1,744.49 |
| Calhoun County | $643.20 | $730.03 | $822.01 | $1,148.75 | $1,745.64 |
| De Witt County | $643.20 | $730.03 | $822.01 | $1,148.75 | $1,745.64 |
| Goliad County | $643.20 | $730.03 | $822.01 | $1,148.75 | $1,745.64 |
| Jackson County | $643.20 | $730.03 | $822.01 | $1,148.75 | $1,745.64 |
| Karnes County | $643.20 | $730.03 | $822.01 | $1,148.75 | $1,745.64 |
| Lavaca County | $643.20 | $730.03 | $822.01 | $1,148.75 | $1,745.64 |
| Victoria County | $643.20 | $730.03 | $822.01 | $1,148.75 | $1,745.64 |
| Armstrong County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Briscoe County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Carson County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Castro County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Childress County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Collingsworth County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Dallam County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Deaf Smith County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Donley County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Gray County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Hall County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Hansford County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Hartley County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Hemphill County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Hutchinson County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Lipscomb County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Moore County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Ochiltree County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Oldham County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Parmer County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Potter County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Randall County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Roberts County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Sherman County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Swisher County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Wheeler County | $644.34 | $731.32 | $823.46 | $1,150.79 | $1,748.73 |
| Denton County | $646.88 | $734.21 | $826.71 | $1,155.33 | $1,755.63 |
| Erath County | $646.88 | $734.21 | $826.71 | $1,155.33 | $1,755.63 |
| Hood County | $646.88 | $734.21 | $826.71 | $1,155.33 | $1,755.63 |
| Johnson County | $646.88 | $734.21 | $826.71 | $1,155.33 | $1,755.63 |
| Palo Pinto County | $646.88 | $734.21 | $826.71 | $1,155.33 | $1,755.63 |
| Parker County | $646.88 | $734.21 | $826.71 | $1,155.33 | $1,755.63 |
| Somervell County | $646.88 | $734.21 | $826.71 | $1,155.33 | $1,755.63 |
| Tarrant County | $646.88 | $734.21 | $826.71 | $1,155.33 | $1,755.63 |
| Wise County | $646.88 | $734.21 | $826.71 | $1,155.33 | $1,755.63 |
| Brooks County | $648.30 | $735.82 | $828.52 | $1,157.86 | $1,759.48 |
| Hidalgo County | $648.30 | $735.82 | $828.52 | $1,157.86 | $1,759.48 |
| Starr County | $648.30 | $735.82 | $828.52 | $1,157.86 | $1,759.48 |
| Bailey County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Cochran County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Crosby County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Dickens County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Floyd County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Garza County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Hale County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Hockley County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| King County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Lamb County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Lubbock County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Lynn County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Motley County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Terry County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Yoakum County | $649.73 | $737.44 | $830.36 | $1,160.42 | $1,763.37 |
| Collin County | $675.18 | $766.33 | $862.88 | $1,205.87 | $1,832.43 |
| Dallas County | $675.18 | $766.33 | $862.88 | $1,205.87 | $1,832.43 |
| Ellis County | $675.18 | $766.33 | $862.88 | $1,205.87 | $1,832.43 |
| Hunt County | $675.18 | $766.33 | $862.88 | $1,205.87 | $1,832.43 |
| Navarro County | $675.18 | $766.33 | $862.88 | $1,205.87 | $1,832.43 |
| Rockwall County | $675.18 | $766.33 | $862.88 | $1,205.87 | $1,832.43 |
| Cooke County | $680.53 | $772.40 | $869.72 | $1,215.43 | $1,846.96 |
| Fannin County | $680.53 | $772.40 | $869.72 | $1,215.43 | $1,846.96 |
| Grayson County | $680.53 | $772.40 | $869.72 | $1,215.43 | $1,846.96 |
| Duval County | $702.80 | $797.68 | $898.18 | $1,255.20 | $1,907.40 |
| Jim Hogg County | $702.80 | $797.68 | $898.18 | $1,255.20 | $1,907.40 |
| McMullen County | $702.80 | $797.68 | $898.18 | $1,255.20 | $1,907.40 |
| Webb County | $702.80 | $797.68 | $898.18 | $1,255.20 | $1,907.40 |
| Zapata County | $702.80 | $797.68 | $898.18 | $1,255.20 | $1,907.40 |
| Coke County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
| Concho County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
| Crockett County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
| Irion County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
| Kimble County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
| Mason County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
| McCulloch County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
| Menard County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
| Reagan County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
| Schleicher County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
| Sterling County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
| Sutton County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
| Tom Green County | $1,077.73 | $1,223.22 | $1,377.34 | $1,924.82 | $2,924.96 |
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.