UHC Silver Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)
Silver · EPO · UnitedHealthcare · Indiana
At age 40 it costs between $599.38 and $616.19 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 | $7,000 | $10,600 | $30 | $3 |
| up to 150% of the federal poverty level | $0 | $2,200 | $1 | $1 |
| 150% to 200% | $700 | $3,350 | $15 | $3 |
| 200% to 250% | $7,000 | $8,100 | $30 | $3 |
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 | 72850IN0160005 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $7,000 |
| Deductible (family) | $14,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $30 |
| Specialist visit | $70 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $40 |
| 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 | 1-866-593-3299 · TTY 1-866-593-3299 |
Where it is sold, and what it costs there
5 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 |
|---|---|---|---|---|---|
| Johnson County | $469 | $532.32 | $599.38 | $837.64 | $1,272.87 |
| Hancock County | $470.09 | $533.56 | $600.78 | $839.59 | $1,275.83 |
| Henry County | $470.09 | $533.56 | $600.78 | $839.59 | $1,275.83 |
| Madison County | $470.09 | $533.56 | $600.78 | $839.59 | $1,275.83 |
| Boone County | $482.15 | $547.24 | $616.19 | $861.13 | $1,308.57 |
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.
Get told when this changes
When this plan’s price or benefits change.
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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.