UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)
Gold · EPO · UnitedHealthcare · Kansas
At age 40 it costs between $717.80 and $773.84 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 | 94968KS0090018 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | EPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $500 |
| Most you could pay in a year | $7,000 |
| Family maximum | $14,000 |
| Primary care visit | $20 |
| Specialist visit | $75 |
| Emergency room | $500 |
| Inpatient stay | $2,000 Copay per Day |
| Generic drugs | $3 |
| Preferred brand drugs | $50 |
| 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 | $561.66 | $637.49 | $717.80 | $1,003.13 | $1,524.35 |
| Leavenworth County | $561.66 | $637.49 | $717.80 | $1,003.13 | $1,524.35 |
| Miami County | $561.66 | $637.49 | $717.80 | $1,003.13 | $1,524.35 |
| Wyandotte County | $561.66 | $637.49 | $717.80 | $1,003.13 | $1,524.35 |
| Anderson County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Atchison County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Brown County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Coffey County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Doniphan County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Douglas County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Franklin County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Jackson County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Jefferson County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Linn County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Lyon County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Marshall County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Nemaha County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Osage County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Pottawatomie County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Shawnee County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Wabaunsee County | $590.15 | $669.82 | $754.21 | $1,054.01 | $1,601.67 |
| Clay County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Cloud County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Dickinson County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Ellsworth County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Geary County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Jewell County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Lincoln County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Mitchell County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Morris County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Ottawa County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Republic County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Riley County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Saline County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
| Washington County | $605.51 | $687.25 | $773.84 | $1,081.43 | $1,643.34 |
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.