UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
Silver · EPO · UnitedHealthcare · Louisiana
At age 40 it costs between $786.94 and $965.43 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What 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 | $0 | $10,150 | $5 | $10 |
| up to 150% of the federal poverty level | $0 | $1,600 | $5 | $1 |
| 150% to 200% | $0 | $3,350 | $5 | $5 |
| 200% to 250% | $0 | $8,100 | $5 | $10 |
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 | 69842LA0240022 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $4,000 |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | $5 |
| Specialist visit | $75 |
| Emergency room | $1,500 |
| Inpatient stay | $2,500 Copay per Day |
| Generic drugs | $10 |
| Preferred brand drugs | $85 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 | 1-866-268-6438 · TTY 1-866-268-6438 |
Where it is sold, and what it costs there
48 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 |
|---|---|---|---|---|---|
| Saint Bernard Parish | $615.76 | $698.89 | $786.94 | $1,099.75 | $1,671.18 |
| Saint James Parish | $615.76 | $698.89 | $786.94 | $1,099.75 | $1,671.18 |
| Saint Tammany Parish | $615.76 | $698.89 | $786.94 | $1,099.75 | $1,671.18 |
| St John The Baptist Parish | $615.76 | $698.89 | $786.94 | $1,099.75 | $1,671.18 |
| Bienville Parish | $629.74 | $714.75 | $804.80 | $1,124.71 | $1,709.10 |
| Bossier Parish | $629.74 | $714.75 | $804.80 | $1,124.71 | $1,709.10 |
| Caddo Parish | $629.74 | $714.75 | $804.80 | $1,124.71 | $1,709.10 |
| Claiborne Parish | $629.74 | $714.75 | $804.80 | $1,124.71 | $1,709.10 |
| De Soto Parish | $629.74 | $714.75 | $804.80 | $1,124.71 | $1,709.10 |
| Natchitoches Parish | $629.74 | $714.75 | $804.80 | $1,124.71 | $1,709.10 |
| Red River Parish | $629.74 | $714.75 | $804.80 | $1,124.71 | $1,709.10 |
| Sabine Parish | $629.74 | $714.75 | $804.80 | $1,124.71 | $1,709.10 |
| Webster Parish | $629.74 | $714.75 | $804.80 | $1,124.71 | $1,709.10 |
| Caldwell Parish | $657.86 | $746.67 | $840.74 | $1,174.93 | $1,785.42 |
| East Carroll Parish | $657.86 | $746.67 | $840.74 | $1,174.93 | $1,785.42 |
| Franklin Parish | $657.86 | $746.67 | $840.74 | $1,174.93 | $1,785.42 |
| Jackson Parish | $657.86 | $746.67 | $840.74 | $1,174.93 | $1,785.42 |
| Lincoln Parish | $657.86 | $746.67 | $840.74 | $1,174.93 | $1,785.42 |
| Madison Parish | $657.86 | $746.67 | $840.74 | $1,174.93 | $1,785.42 |
| Morehouse Parish | $657.86 | $746.67 | $840.74 | $1,174.93 | $1,785.42 |
| Ouachita Parish | $657.86 | $746.67 | $840.74 | $1,174.93 | $1,785.42 |
| Richland Parish | $657.86 | $746.67 | $840.74 | $1,174.93 | $1,785.42 |
| Tensas Parish | $657.86 | $746.67 | $840.74 | $1,174.93 | $1,785.42 |
| Union Parish | $657.86 | $746.67 | $840.74 | $1,174.93 | $1,785.42 |
| West Carroll Parish | $657.86 | $746.67 | $840.74 | $1,174.93 | $1,785.42 |
| Assumption Parish | $664.90 | $754.66 | $849.74 | $1,187.51 | $1,804.54 |
| Acadia Parish | $668.97 | $759.28 | $854.95 | $1,194.78 | $1,815.59 |
| Evangeline Parish | $668.97 | $759.28 | $854.95 | $1,194.78 | $1,815.59 |
| Iberia Parish | $668.97 | $759.28 | $854.95 | $1,194.78 | $1,815.59 |
| Lafayette Parish | $668.97 | $759.28 | $854.95 | $1,194.78 | $1,815.59 |
| Saint Landry Parish | $668.97 | $759.28 | $854.95 | $1,194.78 | $1,815.59 |
| Saint Martin Parish | $668.97 | $759.28 | $854.95 | $1,194.78 | $1,815.59 |
| Saint Mary Parish | $668.97 | $759.28 | $854.95 | $1,194.78 | $1,815.59 |
| Vermilion Parish | $668.97 | $759.28 | $854.95 | $1,194.78 | $1,815.59 |
| Ascension Parish | $680.98 | $772.92 | $870.30 | $1,216.24 | $1,848.19 |
| East Baton Rouge Parish | $680.98 | $772.92 | $870.30 | $1,216.24 | $1,848.19 |
| East Feliciana Parish | $680.98 | $772.92 | $870.30 | $1,216.24 | $1,848.19 |
| Iberville Parish | $680.98 | $772.92 | $870.30 | $1,216.24 | $1,848.19 |
| Livingston Parish | $680.98 | $772.92 | $870.30 | $1,216.24 | $1,848.19 |
| Pointe Coupee Parish | $680.98 | $772.92 | $870.30 | $1,216.24 | $1,848.19 |
| Saint Helena Parish | $680.98 | $772.92 | $870.30 | $1,216.24 | $1,848.19 |
| Tangipahoa Parish | $680.98 | $772.92 | $870.30 | $1,216.24 | $1,848.19 |
| Washington Parish | $680.98 | $772.92 | $870.30 | $1,216.24 | $1,848.19 |
| West Baton Rouge Parish | $680.98 | $772.92 | $870.30 | $1,216.24 | $1,848.19 |
| West Feliciana Parish | $680.98 | $772.92 | $870.30 | $1,216.24 | $1,848.19 |
| Catahoula Parish | $755.42 | $857.41 | $965.43 | $1,349.19 | $2,050.22 |
| Concordia Parish | $755.42 | $857.41 | $965.43 | $1,349.19 | $2,050.22 |
| LaSalle Parish | $755.42 | $857.41 | $965.43 | $1,349.19 | $2,050.22 |
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.