UHC Silver Value ($0 Virtual Urgent Care, No Referrals)
Silver · EPO · UnitedHealthcare · Kansas
At age 40 it costs between $664.30 and $716.16 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 | $4,000 | $10,150 | $35 | $3 |
| up to 150% of the federal poverty level | $0 | $1,700 | $1 | $3 |
| 150% to 200% | $750 | $3,100 | $20 | $3 |
| 200% to 250% | $3,500 | $7,800 | $35 | $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 | 94968KS0090004 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $4,000 |
| Deductible (family) | $8,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | $35 |
| Specialist visit | $85 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $100 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 | 1-866-761-7748 · 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 | $519.80 | $589.97 | $664.30 | $928.36 | $1,410.74 |
| Leavenworth County | $519.80 | $589.97 | $664.30 | $928.36 | $1,410.74 |
| Miami County | $519.80 | $589.97 | $664.30 | $928.36 | $1,410.74 |
| Wyandotte County | $519.80 | $589.97 | $664.30 | $928.36 | $1,410.74 |
| Anderson County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Atchison County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Brown County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Coffey County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Doniphan County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Douglas County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Franklin County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Jackson County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Jefferson County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Linn County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Lyon County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Marshall County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Nemaha County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Osage County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Pottawatomie County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Shawnee County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Wabaunsee County | $546.17 | $619.90 | $698 | $975.46 | $1,482.30 |
| Clay County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Cloud County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Dickinson County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Ellsworth County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Geary County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Jewell County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Lincoln County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Mitchell County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Morris County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Ottawa County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Republic County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Riley County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Saline County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
| Washington County | $560.38 | $636.03 | $716.16 | $1,000.83 | $1,520.87 |
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.