UHC Gold Standard (No Referrals)
Gold · HMO · UnitedHealthcare · Oklahoma
At age 40 it costs between $703.80 and $779.90 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 | 45480OK0050028 |
|---|---|
| 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 | 1-800-980-5319 |
Where it is sold, and what it costs there
57 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 |
|---|---|---|---|---|---|
| Canadian County | $550.70 | $625.05 | $703.80 | $983.55 | $1,494.61 |
| Cleveland County | $550.70 | $625.05 | $703.80 | $983.55 | $1,494.61 |
| Grady County | $550.70 | $625.05 | $703.80 | $983.55 | $1,494.61 |
| Lincoln County | $550.70 | $625.05 | $703.80 | $983.55 | $1,494.61 |
| Logan County | $550.70 | $625.05 | $703.80 | $983.55 | $1,494.61 |
| McClain County | $550.70 | $625.05 | $703.80 | $983.55 | $1,494.61 |
| Oklahoma County | $550.70 | $625.05 | $703.80 | $983.55 | $1,494.61 |
| Creek County | $572.64 | $649.95 | $731.84 | $1,022.74 | $1,554.15 |
| Okmulgee County | $572.64 | $649.95 | $731.84 | $1,022.74 | $1,554.15 |
| Osage County | $572.64 | $649.95 | $731.84 | $1,022.74 | $1,554.15 |
| Pawnee County | $572.64 | $649.95 | $731.84 | $1,022.74 | $1,554.15 |
| Rogers County | $572.64 | $649.95 | $731.84 | $1,022.74 | $1,554.15 |
| Tulsa County | $572.64 | $649.95 | $731.84 | $1,022.74 | $1,554.15 |
| Wagoner County | $572.64 | $649.95 | $731.84 | $1,022.74 | $1,554.15 |
| Alfalfa County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Atoka County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Beaver County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Blaine County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Bryan County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Caddo County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Cotton County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Delaware County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Dewey County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Ellis County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Garfield County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Garvin County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Grant County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Greer County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Harmon County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Harper County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Haskell County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Hughes County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Jackson County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Jefferson County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Kay County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Kingfisher County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Kiowa County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Latimer County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Love County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Major County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Marshall County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Mayes County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| McCurtain County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| McIntosh County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Murray County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Noble County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Nowata County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Okfuskee County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Ottawa County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Payne County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Pottawatomie County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Pushmataha County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Roger Mills County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Seminole County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Tillman County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Woods County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
| Woodward County | $610.25 | $692.63 | $779.90 | $1,089.90 | $1,656.22 |
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.