UHC Gold Standard (No Referrals)
Gold · HMO · UnitedHealthcare · Michigan
At age 40 it costs between $542.78 and $606.34 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 | 71667MI0010026 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| 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 | 1-888-200-0324 · TTY 1-888-200-0324 |
Where it is sold, and what it costs there
12 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 |
|---|---|---|---|---|---|
| Macomb County | $424.71 | $482.05 | $542.78 | $758.54 | $1,152.67 |
| Oakland County | $424.71 | $482.05 | $542.78 | $758.54 | $1,152.67 |
| Monroe County | $425.23 | $482.63 | $543.44 | $759.46 | $1,154.07 |
| Wayne County | $425.23 | $482.63 | $543.44 | $759.46 | $1,154.07 |
| Kent County | $427.93 | $485.71 | $546.90 | $764.29 | $1,161.41 |
| Genesee County | $428.26 | $486.07 | $547.32 | $764.87 | $1,162.29 |
| Shiawassee County | $428.26 | $486.07 | $547.32 | $764.87 | $1,162.29 |
| Hillsdale County | $464.87 | $527.63 | $594.11 | $830.26 | $1,261.66 |
| Van Buren County | $466.01 | $528.92 | $595.56 | $832.29 | $1,264.75 |
| Branch County | $474.44 | $538.49 | $606.34 | $847.35 | $1,287.64 |
| Calhoun County | $474.44 | $538.49 | $606.34 | $847.35 | $1,287.64 |
| Kalamazoo County | $474.44 | $538.49 | $606.34 | $847.35 | $1,287.64 |
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.