UHC Silver Standard (No Referrals)
Silver · HMO · UnitedHealthcare · Oklahoma
At age 40 it costs between $702.27 and $778.21 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 | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
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 | 45480OK0050029 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay 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 | 1-800-980-5319 |
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 | $549.51 | $623.69 | $702.27 | $981.42 | $1,491.37 |
| Cleveland County | $549.51 | $623.69 | $702.27 | $981.42 | $1,491.37 |
| Grady County | $549.51 | $623.69 | $702.27 | $981.42 | $1,491.37 |
| Lincoln County | $549.51 | $623.69 | $702.27 | $981.42 | $1,491.37 |
| Logan County | $549.51 | $623.69 | $702.27 | $981.42 | $1,491.37 |
| McClain County | $549.51 | $623.69 | $702.27 | $981.42 | $1,491.37 |
| Oklahoma County | $549.51 | $623.69 | $702.27 | $981.42 | $1,491.37 |
| Creek County | $571.40 | $648.54 | $730.25 | $1,020.52 | $1,550.78 |
| Okmulgee County | $571.40 | $648.54 | $730.25 | $1,020.52 | $1,550.78 |
| Osage County | $571.40 | $648.54 | $730.25 | $1,020.52 | $1,550.78 |
| Pawnee County | $571.40 | $648.54 | $730.25 | $1,020.52 | $1,550.78 |
| Rogers County | $571.40 | $648.54 | $730.25 | $1,020.52 | $1,550.78 |
| Tulsa County | $571.40 | $648.54 | $730.25 | $1,020.52 | $1,550.78 |
| Wagoner County | $571.40 | $648.54 | $730.25 | $1,020.52 | $1,550.78 |
| Alfalfa County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Atoka County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Beaver County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Blaine County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Bryan County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Caddo County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Cotton County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Delaware County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Dewey County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Ellis County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Garfield County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Garvin County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Grant County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Greer County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Harmon County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Harper County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Haskell County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Hughes County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Jackson County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Jefferson County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Kay County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Kingfisher County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Kiowa County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Latimer County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Love County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Major County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Marshall County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Mayes County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| McCurtain County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| McIntosh County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Murray County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Noble County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Nowata County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Okfuskee County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Ottawa County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Payne County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Pottawatomie County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Pushmataha County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Roger Mills County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Seminole County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Tillman County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Woods County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
| Woodward County | $608.93 | $691.13 | $778.21 | $1,087.54 | $1,652.63 |
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.