UHC Silver Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals)
Silver · EPO · UnitedHealthcare · Louisiana
At age 40 it costs between $804.72 and $987.24 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 | 69842LA0250003 |
|---|---|
| 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 | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 97.58% |
| 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 | $629.67 | $714.68 | $804.72 | $1,124.59 | $1,708.93 |
| Saint James Parish | $629.67 | $714.68 | $804.72 | $1,124.59 | $1,708.93 |
| Saint Tammany Parish | $629.67 | $714.68 | $804.72 | $1,124.59 | $1,708.93 |
| St John The Baptist Parish | $629.67 | $714.68 | $804.72 | $1,124.59 | $1,708.93 |
| Bienville Parish | $643.96 | $730.90 | $822.98 | $1,150.11 | $1,747.71 |
| Bossier Parish | $643.96 | $730.90 | $822.98 | $1,150.11 | $1,747.71 |
| Caddo Parish | $643.96 | $730.90 | $822.98 | $1,150.11 | $1,747.71 |
| Claiborne Parish | $643.96 | $730.90 | $822.98 | $1,150.11 | $1,747.71 |
| De Soto Parish | $643.96 | $730.90 | $822.98 | $1,150.11 | $1,747.71 |
| Natchitoches Parish | $643.96 | $730.90 | $822.98 | $1,150.11 | $1,747.71 |
| Red River Parish | $643.96 | $730.90 | $822.98 | $1,150.11 | $1,747.71 |
| Sabine Parish | $643.96 | $730.90 | $822.98 | $1,150.11 | $1,747.71 |
| Webster Parish | $643.96 | $730.90 | $822.98 | $1,150.11 | $1,747.71 |
| Caldwell Parish | $672.72 | $763.53 | $859.73 | $1,201.47 | $1,825.75 |
| East Carroll Parish | $672.72 | $763.53 | $859.73 | $1,201.47 | $1,825.75 |
| Franklin Parish | $672.72 | $763.53 | $859.73 | $1,201.47 | $1,825.75 |
| Jackson Parish | $672.72 | $763.53 | $859.73 | $1,201.47 | $1,825.75 |
| Lincoln Parish | $672.72 | $763.53 | $859.73 | $1,201.47 | $1,825.75 |
| Madison Parish | $672.72 | $763.53 | $859.73 | $1,201.47 | $1,825.75 |
| Morehouse Parish | $672.72 | $763.53 | $859.73 | $1,201.47 | $1,825.75 |
| Ouachita Parish | $672.72 | $763.53 | $859.73 | $1,201.47 | $1,825.75 |
| Richland Parish | $672.72 | $763.53 | $859.73 | $1,201.47 | $1,825.75 |
| Tensas Parish | $672.72 | $763.53 | $859.73 | $1,201.47 | $1,825.75 |
| Union Parish | $672.72 | $763.53 | $859.73 | $1,201.47 | $1,825.75 |
| West Carroll Parish | $672.72 | $763.53 | $859.73 | $1,201.47 | $1,825.75 |
| Assumption Parish | $679.92 | $771.71 | $868.94 | $1,214.34 | $1,845.31 |
| Acadia Parish | $684.08 | $776.43 | $874.26 | $1,221.77 | $1,856.60 |
| Evangeline Parish | $684.08 | $776.43 | $874.26 | $1,221.77 | $1,856.60 |
| Iberia Parish | $684.08 | $776.43 | $874.26 | $1,221.77 | $1,856.60 |
| Lafayette Parish | $684.08 | $776.43 | $874.26 | $1,221.77 | $1,856.60 |
| Saint Landry Parish | $684.08 | $776.43 | $874.26 | $1,221.77 | $1,856.60 |
| Saint Martin Parish | $684.08 | $776.43 | $874.26 | $1,221.77 | $1,856.60 |
| Saint Mary Parish | $684.08 | $776.43 | $874.26 | $1,221.77 | $1,856.60 |
| Vermilion Parish | $684.08 | $776.43 | $874.26 | $1,221.77 | $1,856.60 |
| Ascension Parish | $696.37 | $790.38 | $889.96 | $1,243.71 | $1,889.94 |
| East Baton Rouge Parish | $696.37 | $790.38 | $889.96 | $1,243.71 | $1,889.94 |
| East Feliciana Parish | $696.37 | $790.38 | $889.96 | $1,243.71 | $1,889.94 |
| Iberville Parish | $696.37 | $790.38 | $889.96 | $1,243.71 | $1,889.94 |
| Livingston Parish | $696.37 | $790.38 | $889.96 | $1,243.71 | $1,889.94 |
| Pointe Coupee Parish | $696.37 | $790.38 | $889.96 | $1,243.71 | $1,889.94 |
| Saint Helena Parish | $696.37 | $790.38 | $889.96 | $1,243.71 | $1,889.94 |
| Tangipahoa Parish | $696.37 | $790.38 | $889.96 | $1,243.71 | $1,889.94 |
| Washington Parish | $696.37 | $790.38 | $889.96 | $1,243.71 | $1,889.94 |
| West Baton Rouge Parish | $696.37 | $790.38 | $889.96 | $1,243.71 | $1,889.94 |
| West Feliciana Parish | $696.37 | $790.38 | $889.96 | $1,243.71 | $1,889.94 |
| Catahoula Parish | $772.49 | $876.77 | $987.24 | $1,379.67 | $2,096.53 |
| Concordia Parish | $772.49 | $876.77 | $987.24 | $1,379.67 | $2,096.53 |
| LaSalle Parish | $772.49 | $876.77 | $987.24 | $1,379.67 | $2,096.53 |
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.