UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)
Silver · HMO · UnitedHealthcare · Oklahoma
At age 40 it costs between $707.83 and $784.37 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 | $2,900 | $9,500 | $15 | $5 |
| up to 150% of the federal poverty level | $0 | $1,400 | No Charge | $1 |
| 150% to 200% | $650 | $3,000 | $10 | $2 |
| 200% to 250% | $2,400 | $8,000 | $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 | 45480OK0050036 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $2,900 |
| Deductible (family) | $5,800 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,500 |
| Family maximum | $19,000 |
| Primary care visit | $15 |
| Specialist visit | 45% Coinsurance after deductible |
| Emergency room | 45% Coinsurance after deductible |
| Inpatient stay | 45% Coinsurance after deductible |
| Generic drugs | $5 |
| Preferred brand drugs | $100 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 | 1-800-980-5319 |
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 | $553.86 | $628.63 | $707.83 | $989.19 | $1,503.17 |
| Cleveland County | $553.86 | $628.63 | $707.83 | $989.19 | $1,503.17 |
| Grady County | $553.86 | $628.63 | $707.83 | $989.19 | $1,503.17 |
| Lincoln County | $553.86 | $628.63 | $707.83 | $989.19 | $1,503.17 |
| Logan County | $553.86 | $628.63 | $707.83 | $989.19 | $1,503.17 |
| McClain County | $553.86 | $628.63 | $707.83 | $989.19 | $1,503.17 |
| Oklahoma County | $553.86 | $628.63 | $707.83 | $989.19 | $1,503.17 |
| Creek County | $575.93 | $653.68 | $736.03 | $1,028.60 | $1,563.06 |
| Okmulgee County | $575.93 | $653.68 | $736.03 | $1,028.60 | $1,563.06 |
| Osage County | $575.93 | $653.68 | $736.03 | $1,028.60 | $1,563.06 |
| Pawnee County | $575.93 | $653.68 | $736.03 | $1,028.60 | $1,563.06 |
| Rogers County | $575.93 | $653.68 | $736.03 | $1,028.60 | $1,563.06 |
| Tulsa County | $575.93 | $653.68 | $736.03 | $1,028.60 | $1,563.06 |
| Wagoner County | $575.93 | $653.68 | $736.03 | $1,028.60 | $1,563.06 |
| Alfalfa County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Atoka County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Beaver County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Blaine County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Bryan County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Caddo County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Cotton County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Delaware County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Dewey County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Ellis County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Garfield County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Garvin County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Grant County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Greer County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Harmon County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Harper County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Haskell County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Hughes County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Jackson County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Jefferson County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Kay County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Kingfisher County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Kiowa County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Latimer County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Love County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Major County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Marshall County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Mayes County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| McCurtain County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| McIntosh County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Murray County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Noble County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Nowata County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Okfuskee County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Ottawa County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Payne County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Pottawatomie County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Pushmataha County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Roger Mills County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Seminole County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Tillman County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Woods County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
| Woodward County | $613.75 | $696.60 | $784.37 | $1,096.15 | $1,665.71 |
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.