UHC Gold Standard (No Referrals)
Gold · EPO · UnitedHealthcare · Kansas
At age 40 it costs between $681.46 and $734.66 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 | 94968KS0090003 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | EPO |
| 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 | 1-866-761-7748 · TTY 1-866-761-7748 |
Where it is sold, and what it costs there
35 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 | $533.23 | $605.21 | $681.46 | $952.34 | $1,447.18 |
| Leavenworth County | $533.23 | $605.21 | $681.46 | $952.34 | $1,447.18 |
| Miami County | $533.23 | $605.21 | $681.46 | $952.34 | $1,447.18 |
| Wyandotte County | $533.23 | $605.21 | $681.46 | $952.34 | $1,447.18 |
| Anderson County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Atchison County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Brown County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Coffey County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Doniphan County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Douglas County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Franklin County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Jackson County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Jefferson County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Linn County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Lyon County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Marshall County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Nemaha County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Osage County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Pottawatomie County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Shawnee County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Wabaunsee County | $560.28 | $635.91 | $716.03 | $1,000.65 | $1,520.59 |
| Clay County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Cloud County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Dickinson County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Ellsworth County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Geary County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Jewell County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Lincoln County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Mitchell County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Morris County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Ottawa County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Republic County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Riley County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Saline County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
| Washington County | $574.85 | $652.46 | $734.66 | $1,026.69 | $1,560.15 |
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.