UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)
Expanded Bronze · HMO · UnitedHealthcare · Florida
At age 40 it costs between $584.63 and $918.43 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 | 68398FL0030045 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Expanded Bronze |
| Plan type | HMO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $4,500 |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $50 |
| Specialist visit | $120 |
| Emergency room | $2,000 |
| Inpatient stay | $3,000 Copay per Day |
| Generic drugs | $20 |
| Preferred brand drugs | 40% Coinsurance 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 | 1-888-200-0405 · 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 | $457.46 | $519.21 | $584.63 | $817.02 | $1,241.53 |
| Palm Beach County | $480.90 | $545.82 | $614.59 | $858.89 | $1,305.16 |
| Miami-Dade County | $481.48 | $546.48 | $615.33 | $859.92 | $1,306.73 |
| Broward County | $482.73 | $547.90 | $616.92 | $862.15 | $1,310.12 |
| Liberty County | $489.56 | $555.66 | $625.66 | $874.36 | $1,328.68 |
| Escambia County | $495.89 | $562.84 | $633.75 | $885.66 | $1,345.85 |
| Santa Rosa County | $507.80 | $576.36 | $648.97 | $906.94 | $1,378.18 |
| Lake County | $517.81 | $587.71 | $661.76 | $924.81 | $1,405.33 |
| Hendry County | $521.79 | $592.23 | $666.85 | $931.92 | $1,416.14 |
| Orange County | $524.09 | $594.84 | $669.79 | $936.03 | $1,422.38 |
| Madison County | $524.22 | $595 | $669.96 | $936.27 | $1,422.75 |
| Wakulla County | $525.33 | $596.25 | $671.37 | $938.24 | $1,425.75 |
| Leon County | $526.69 | $597.80 | $673.12 | $940.68 | $1,429.45 |
| Glades County | $528.10 | $599.40 | $674.92 | $943.19 | $1,433.27 |
| Hillsborough County | $530.22 | $601.80 | $677.63 | $946.98 | $1,439.03 |
| Seminole County | $531.73 | $603.51 | $679.55 | $949.67 | $1,443.12 |
| Osceola County | $533.36 | $605.36 | $681.63 | $952.58 | $1,447.53 |
| Volusia County | $535.68 | $608 | $684.60 | $956.73 | $1,453.84 |
| Gadsden County | $541.05 | $614.09 | $691.46 | $966.31 | $1,468.41 |
| Manatee County | $541.90 | $615.06 | $692.55 | $967.84 | $1,470.72 |
| Flagler County | $542.05 | $615.23 | $692.74 | $968.10 | $1,471.13 |
| Calhoun County | $542.92 | $616.21 | $693.85 | $969.65 | $1,473.47 |
| Pasco County | $550.46 | $624.77 | $703.49 | $983.12 | $1,493.94 |
| Jefferson County | $552.92 | $627.57 | $706.64 | $987.52 | $1,500.63 |
| Collier County | $552.98 | $627.64 | $706.71 | $987.63 | $1,500.80 |
| Brevard County | $555.09 | $630.03 | $709.41 | $991.40 | $1,506.52 |
| Marion County | $560.54 | $636.22 | $716.37 | $1,001.13 | $1,521.31 |
| Desoto County | $563.51 | $639.58 | $720.16 | $1,006.42 | $1,529.35 |
| Taylor County | $568.17 | $644.88 | $726.12 | $1,014.75 | $1,542.02 |
| Polk County | $581.29 | $659.77 | $742.89 | $1,038.19 | $1,577.62 |
| Highlands County | $710.43 | $806.33 | $907.92 | $1,268.82 | $1,928.10 |
| Hardee County | $718.65 | $815.66 | $918.43 | $1,283.50 | $1,950.41 |
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.