UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
Silver · EPO · UnitedHealthcare · Missouri
At age 40 it costs between $625.32 and $822.24 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 | $0 | $10,600 | $50 | $10 |
| up to 150% of the federal poverty level | $0 | $2,100 | $5 | $2 |
| 150% to 200% | $0 | $3,450 | $25 | $5 |
| 200% to 250% | $0 | $8,350 | $50 | $10 |
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 | 95426MO0410006 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $2,500 |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $50 |
| Specialist visit | $100 |
| Emergency room | $1,800 |
| Inpatient stay | $2,500 Copay per Day |
| Generic drugs | $10 |
| Preferred brand drugs | $85 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 | 1-877-940-4172 · TTY 1-877-940-4172 |
Where it is sold, and what it costs there
115 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 |
|---|---|---|---|---|---|
| Franklin County | $489.29 | $555.35 | $625.32 | $873.88 | $1,327.94 |
| Jefferson County | $489.29 | $555.35 | $625.32 | $873.88 | $1,327.94 |
| Lincoln County | $489.29 | $555.35 | $625.32 | $873.88 | $1,327.94 |
| Saint Charles County | $489.29 | $555.35 | $625.32 | $873.88 | $1,327.94 |
| Saint Francois County | $489.29 | $555.35 | $625.32 | $873.88 | $1,327.94 |
| Saint Louis County | $489.29 | $555.35 | $625.32 | $873.88 | $1,327.94 |
| Saint Louis City | $489.29 | $555.35 | $625.32 | $873.88 | $1,327.94 |
| Sainte Genevieve County | $489.29 | $555.35 | $625.32 | $873.88 | $1,327.94 |
| Warren County | $489.29 | $555.35 | $625.32 | $873.88 | $1,327.94 |
| Washington County | $489.29 | $555.35 | $625.32 | $873.88 | $1,327.94 |
| Barton County | $540.10 | $613.01 | $690.25 | $964.62 | $1,465.83 |
| Jasper County | $540.10 | $613.01 | $690.25 | $964.62 | $1,465.83 |
| McDonald County | $540.10 | $613.01 | $690.25 | $964.62 | $1,465.83 |
| Newton County | $540.10 | $613.01 | $690.25 | $964.62 | $1,465.83 |
| Cass County | $566.72 | $643.23 | $724.27 | $1,012.16 | $1,538.08 |
| Clay County | $566.72 | $643.23 | $724.27 | $1,012.16 | $1,538.08 |
| Jackson County | $566.72 | $643.23 | $724.27 | $1,012.16 | $1,538.08 |
| Platte County | $566.72 | $643.23 | $724.27 | $1,012.16 | $1,538.08 |
| Bates County | $575.91 | $653.66 | $736.02 | $1,028.58 | $1,563.03 |
| Benton County | $575.91 | $653.66 | $736.02 | $1,028.58 | $1,563.03 |
| Henry County | $575.91 | $653.66 | $736.02 | $1,028.58 | $1,563.03 |
| Johnson County | $575.91 | $653.66 | $736.02 | $1,028.58 | $1,563.03 |
| Lafayette County | $575.91 | $653.66 | $736.02 | $1,028.58 | $1,563.03 |
| Pettis County | $575.91 | $653.66 | $736.02 | $1,028.58 | $1,563.03 |
| Saint Clair County | $575.91 | $653.66 | $736.02 | $1,028.58 | $1,563.03 |
| Saline County | $575.91 | $653.66 | $736.02 | $1,028.58 | $1,563.03 |
| Vernon County | $575.91 | $653.66 | $736.02 | $1,028.58 | $1,563.03 |
| Barry County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Cedar County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Christian County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Dade County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Dallas County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Douglas County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Greene County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Hickory County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Laclede County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Lawrence County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Ozark County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Polk County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Stone County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Taney County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Webster County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Wright County | $579.73 | $658 | $740.90 | $1,035.40 | $1,573.39 |
| Carter County | $590.93 | $670.71 | $755.21 | $1,055.41 | $1,603.79 |
| Crawford County | $590.93 | $670.71 | $755.21 | $1,055.41 | $1,603.79 |
| Dent County | $590.93 | $670.71 | $755.21 | $1,055.41 | $1,603.79 |
| Howell County | $590.93 | $670.71 | $755.21 | $1,055.41 | $1,603.79 |
| Iron County | $590.93 | $670.71 | $755.21 | $1,055.41 | $1,603.79 |
| Oregon County | $590.93 | $670.71 | $755.21 | $1,055.41 | $1,603.79 |
| Phelps County | $590.93 | $670.71 | $755.21 | $1,055.41 | $1,603.79 |
| Pulaski County | $590.93 | $670.71 | $755.21 | $1,055.41 | $1,603.79 |
| Reynolds County | $590.93 | $670.71 | $755.21 | $1,055.41 | $1,603.79 |
| Ripley County | $590.93 | $670.71 | $755.21 | $1,055.41 | $1,603.79 |
| Shannon County | $590.93 | $670.71 | $755.21 | $1,055.41 | $1,603.79 |
| Texas County | $590.93 | $670.71 | $755.21 | $1,055.41 | $1,603.79 |
| Audrain County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Boone County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Callaway County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Camden County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Chariton County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Cole County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Cooper County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Gasconade County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Howard County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Maries County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Miller County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Moniteau County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Monroe County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Montgomery County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Morgan County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Osage County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Randolph County | $590.99 | $670.77 | $755.28 | $1,055.51 | $1,603.94 |
| Bollinger County | $624.21 | $708.48 | $797.75 | $1,114.85 | $1,694.12 |
| Butler County | $624.21 | $708.48 | $797.75 | $1,114.85 | $1,694.12 |
| Cape Girardeau County | $624.21 | $708.48 | $797.75 | $1,114.85 | $1,694.12 |
| Dunklin County | $624.21 | $708.48 | $797.75 | $1,114.85 | $1,694.12 |
| Madison County | $624.21 | $708.48 | $797.75 | $1,114.85 | $1,694.12 |
| Mississippi County | $624.21 | $708.48 | $797.75 | $1,114.85 | $1,694.12 |
| New Madrid County | $624.21 | $708.48 | $797.75 | $1,114.85 | $1,694.12 |
| Pemiscot County | $624.21 | $708.48 | $797.75 | $1,114.85 | $1,694.12 |
| Perry County | $624.21 | $708.48 | $797.75 | $1,114.85 | $1,694.12 |
| Scott County | $624.21 | $708.48 | $797.75 | $1,114.85 | $1,694.12 |
| Stoddard County | $624.21 | $708.48 | $797.75 | $1,114.85 | $1,694.12 |
| Wayne County | $624.21 | $708.48 | $797.75 | $1,114.85 | $1,694.12 |
| Adair County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Clark County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Knox County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Lewis County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Linn County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Macon County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Marion County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Pike County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Putnam County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Ralls County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Schuyler County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Scotland County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Shelby County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Sullivan County | $630.98 | $716.17 | $806.40 | $1,126.94 | $1,712.49 |
| Andrew County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Atchison County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Buchanan County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Caldwell County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Carroll County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Clinton County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Daviess County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| DeKalb County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Gentry County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Grundy County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Harrison County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Holt County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Livingston County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Mercer County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Nodaway County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Ray County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
| Worth County | $643.38 | $730.24 | $822.24 | $1,149.08 | $1,746.13 |
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.