UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx)
Gold · HMO · UnitedHealthcare · Florida
At age 40 it costs between $821.87 and $1,291.12 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 | 68398FL0030034 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $500 |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $25 |
| Specialist visit | $50 |
| Emergency room | $750 |
| Inpatient stay | $1,500 Copay per Day |
| Generic drugs | $3 |
| Preferred brand drugs | $50 |
| 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 | 1-888-200-0405 · TTY 1-888-200-0405 |
Where it is sold, and what it costs there
32 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 |
|---|---|---|---|---|---|
| Lee County | $643.09 | $729.91 | $821.87 | $1,148.56 | $1,745.34 |
| Palm Beach County | $676.05 | $767.31 | $863.99 | $1,207.42 | $1,834.79 |
| Miami-Dade County | $676.86 | $768.23 | $865.02 | $1,208.87 | $1,836.99 |
| Broward County | $678.61 | $770.23 | $867.27 | $1,212.01 | $1,841.76 |
| Liberty County | $688.23 | $781.14 | $879.55 | $1,229.17 | $1,867.85 |
| Escambia County | $697.12 | $791.23 | $890.92 | $1,245.06 | $1,891.99 |
| Santa Rosa County | $713.87 | $810.24 | $912.32 | $1,274.96 | $1,937.43 |
| Lake County | $727.93 | $826.20 | $930.30 | $1,300.09 | $1,975.61 |
| Hendry County | $733.53 | $832.56 | $937.45 | $1,310.09 | $1,990.80 |
| Orange County | $736.76 | $836.23 | $941.58 | $1,315.86 | $1,999.58 |
| Madison County | $736.95 | $836.44 | $941.83 | $1,316.20 | $2,000.09 |
| Wakulla County | $738.51 | $838.21 | $943.81 | $1,318.97 | $2,004.31 |
| Leon County | $740.42 | $840.38 | $946.26 | $1,322.40 | $2,009.51 |
| Glades County | $742.41 | $842.63 | $948.79 | $1,325.94 | $2,014.89 |
| Hillsborough County | $745.39 | $846.01 | $952.60 | $1,331.26 | $2,022.98 |
| Seminole County | $747.50 | $848.42 | $955.31 | $1,335.04 | $2,028.73 |
| Osceola County | $749.79 | $851.01 | $958.23 | $1,339.13 | $2,034.93 |
| Volusia County | $753.06 | $854.72 | $962.41 | $1,344.96 | $2,043.80 |
| Gadsden County | $760.60 | $863.28 | $972.05 | $1,358.44 | $2,064.28 |
| Manatee County | $761.80 | $864.65 | $973.58 | $1,360.58 | $2,067.53 |
| Flagler County | $762.01 | $864.88 | $973.85 | $1,360.96 | $2,068.10 |
| Calhoun County | $763.23 | $866.26 | $975.41 | $1,363.13 | $2,071.40 |
| Pasco County | $773.83 | $878.30 | $988.96 | $1,382.06 | $2,100.18 |
| Jefferson County | $777.30 | $882.23 | $993.38 | $1,388.25 | $2,109.58 |
| Collier County | $777.38 | $882.33 | $993.49 | $1,388.40 | $2,109.82 |
| Brevard County | $780.35 | $885.69 | $997.28 | $1,393.70 | $2,117.86 |
| Marion County | $788.01 | $894.39 | $1,007.07 | $1,407.38 | $2,138.65 |
| Desoto County | $792.17 | $899.12 | $1,012.40 | $1,414.82 | $2,149.96 |
| Taylor County | $798.73 | $906.56 | $1,020.78 | $1,426.54 | $2,167.76 |
| Polk County | $817.18 | $927.49 | $1,044.35 | $1,459.48 | $2,217.81 |
| Highlands County | $998.71 | $1,133.54 | $1,276.35 | $1,783.70 | $2,710.51 |
| Hardee County | $1,010.27 | $1,146.66 | $1,291.12 | $1,804.34 | $2,741.87 |
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.