UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals)
Gold · HMO · UnitedHealthcare · Oklahoma
At age 40 it costs between $710.90 and $787.76 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 | 45480OK0050038 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $7,000 |
| Family maximum | $14,000 |
| Primary care visit | $15 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $10 |
| Preferred brand drugs | $50 |
| Specialty drugs | 40% 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 | $556.26 | $631.35 | $710.90 | $993.47 | $1,509.68 |
| Cleveland County | $556.26 | $631.35 | $710.90 | $993.47 | $1,509.68 |
| Grady County | $556.26 | $631.35 | $710.90 | $993.47 | $1,509.68 |
| Lincoln County | $556.26 | $631.35 | $710.90 | $993.47 | $1,509.68 |
| Logan County | $556.26 | $631.35 | $710.90 | $993.47 | $1,509.68 |
| McClain County | $556.26 | $631.35 | $710.90 | $993.47 | $1,509.68 |
| Oklahoma County | $556.26 | $631.35 | $710.90 | $993.47 | $1,509.68 |
| Creek County | $578.42 | $656.50 | $739.22 | $1,033.06 | $1,569.83 |
| Okmulgee County | $578.42 | $656.50 | $739.22 | $1,033.06 | $1,569.83 |
| Osage County | $578.42 | $656.50 | $739.22 | $1,033.06 | $1,569.83 |
| Pawnee County | $578.42 | $656.50 | $739.22 | $1,033.06 | $1,569.83 |
| Rogers County | $578.42 | $656.50 | $739.22 | $1,033.06 | $1,569.83 |
| Tulsa County | $578.42 | $656.50 | $739.22 | $1,033.06 | $1,569.83 |
| Wagoner County | $578.42 | $656.50 | $739.22 | $1,033.06 | $1,569.83 |
| Alfalfa County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Atoka County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Beaver County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Blaine County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Bryan County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Caddo County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Cotton County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Delaware County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Dewey County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Ellis County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Garfield County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Garvin County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Grant County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Greer County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Harmon County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Harper County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Haskell County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Hughes County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Jackson County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Jefferson County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Kay County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Kingfisher County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Kiowa County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Latimer County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Love County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Major County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Marshall County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Mayes County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| McCurtain County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| McIntosh County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Murray County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Noble County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Nowata County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Okfuskee County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Ottawa County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Payne County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Pottawatomie County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Pushmataha County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Roger Mills County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Seminole County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Tillman County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Woods County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
| Woodward County | $616.40 | $699.62 | $787.76 | $1,100.90 | $1,672.92 |
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.