UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals)
Silver · EPO · UnitedHealthcare · Nebraska
At age 40 it costs between $805.05 and $1,130.63 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 | $3,500 | $8,900 | $45 | $8 |
| up to 150% of the federal poverty level | $0 | $1,300 | $5 | $3 |
| 150% to 200% | $700 | $3,050 | $15 | $5 |
| 200% to 250% | $3,400 | $7,350 | $30 | $8 |
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 | 73102NE0080005 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $3,500 |
| Deductible (family) | $7,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $45 |
| Specialist visit | $100 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $8 |
| Preferred brand drugs | $30 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 | 1-866-288-2776 |
Where it is sold, and what it costs there
93 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 |
|---|---|---|---|---|---|
| Burt County | $629.93 | $714.97 | $805.05 | $1,125.05 | $1,709.62 |
| Dodge County | $629.93 | $714.97 | $805.05 | $1,125.05 | $1,709.62 |
| Douglas County | $629.93 | $714.97 | $805.05 | $1,125.05 | $1,709.62 |
| Sarpy County | $629.93 | $714.97 | $805.05 | $1,125.05 | $1,709.62 |
| Saunders County | $629.93 | $714.97 | $805.05 | $1,125.05 | $1,709.62 |
| Thurston County | $629.93 | $714.97 | $805.05 | $1,125.05 | $1,709.62 |
| Washington County | $629.93 | $714.97 | $805.05 | $1,125.05 | $1,709.62 |
| Cass County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Fillmore County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Gage County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Jefferson County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Johnson County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Lancaster County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Nemaha County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Otoe County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Pawnee County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Richardson County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Saline County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Seward County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Thayer County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| York County | $660.57 | $749.75 | $844.21 | $1,179.78 | $1,792.78 |
| Adams County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Antelope County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Blaine County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Boone County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Boyd County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Buffalo County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Butler County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Cedar County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Clay County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Colfax County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Cuming County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Custer County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Dakota County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Dawson County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Dixon County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Franklin County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Furnas County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Garfield County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Gosper County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Greeley County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Hall County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Hamilton County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Harlan County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Holt County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Howard County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Kearney County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Keya Paha County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Knox County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Loup County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Madison County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Merrick County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Nance County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Nuckolls County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Phelps County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Pierce County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Platte County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Polk County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Rock County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Sherman County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Stanton County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Valley County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Wayne County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Webster County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Wheeler County | $768.66 | $872.42 | $982.34 | $1,372.82 | $2,086.13 |
| Arthur County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Banner County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Box Butte County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Brown County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Chase County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Cherry County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Cheyenne County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Dawes County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Deuel County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Dundy County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Frontier County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Garden County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Grant County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Hayes County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Hitchcock County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Hooker County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Keith County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Kimball County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Lincoln County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Logan County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| McPherson County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Morrill County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Perkins County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Red Willow County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Scotts Bluff County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Sheridan County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Sioux County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
| Thomas County | $884.69 | $1,004.12 | $1,130.63 | $1,580.05 | $2,401.05 |
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.