UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)
Gold · EPO · UnitedHealthcare · Nebraska
At age 40 it costs between $855.47 and $1,201.45 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 | 73102NE0080009 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | EPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $500 |
| Most you could pay in a year | $7,700 |
| Family maximum | $15,400 |
| Primary care visit | $25 |
| Specialist visit | $45 |
| Emergency room | $500 |
| Inpatient stay | $2,000 Copay per Day |
| Generic drugs | $3 |
| Preferred brand drugs | $30 |
| 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 | $669.38 | $759.75 | $855.47 | $1,195.52 | $1,816.71 |
| Dodge County | $669.38 | $759.75 | $855.47 | $1,195.52 | $1,816.71 |
| Douglas County | $669.38 | $759.75 | $855.47 | $1,195.52 | $1,816.71 |
| Sarpy County | $669.38 | $759.75 | $855.47 | $1,195.52 | $1,816.71 |
| Saunders County | $669.38 | $759.75 | $855.47 | $1,195.52 | $1,816.71 |
| Thurston County | $669.38 | $759.75 | $855.47 | $1,195.52 | $1,816.71 |
| Washington County | $669.38 | $759.75 | $855.47 | $1,195.52 | $1,816.71 |
| Cass County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Fillmore County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Gage County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Jefferson County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Johnson County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Lancaster County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Nemaha County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Otoe County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Pawnee County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Richardson County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Saline County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Seward County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Thayer County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| York County | $701.94 | $796.71 | $897.08 | $1,253.67 | $1,905.08 |
| Adams County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Antelope County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Blaine County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Boone County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Boyd County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Buffalo County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Butler County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Cedar County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Clay County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Colfax County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Cuming County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Custer County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Dakota County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Dawson County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Dixon County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Franklin County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Furnas County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Garfield County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Gosper County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Greeley County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Hall County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Hamilton County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Harlan County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Holt County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Howard County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Kearney County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Keya Paha County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Knox County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Loup County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Madison County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Merrick County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Nance County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Nuckolls County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Phelps County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Pierce County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Platte County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Polk County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Rock County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Sherman County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Stanton County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Valley County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Wayne County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Webster County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Wheeler County | $816.80 | $927.07 | $1,043.87 | $1,458.81 | $2,216.80 |
| Arthur County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Banner County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Box Butte County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Brown County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Chase County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Cherry County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Cheyenne County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Dawes County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Deuel County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Dundy County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Frontier County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Garden County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Grant County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Hayes County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Hitchcock County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Hooker County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Keith County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Kimball County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Lincoln County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Logan County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| McPherson County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Morrill County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Perkins County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Red Willow County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Scotts Bluff County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Sheridan County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Sioux County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
| Thomas County | $940.10 | $1,067.02 | $1,201.45 | $1,679.02 | $2,551.44 |
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.