UHC Gold Standard (No Referrals)
Gold · EPO · UnitedHealthcare · Missouri
At age 40 it costs between $586.86 and $771.67 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 | 95426MO0410009 |
|---|---|
| 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 | 1-877-940-4172 · 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 | $459.20 | $521.19 | $586.86 | $820.13 | $1,246.26 |
| Jefferson County | $459.20 | $521.19 | $586.86 | $820.13 | $1,246.26 |
| Lincoln County | $459.20 | $521.19 | $586.86 | $820.13 | $1,246.26 |
| Saint Charles County | $459.20 | $521.19 | $586.86 | $820.13 | $1,246.26 |
| Saint Francois County | $459.20 | $521.19 | $586.86 | $820.13 | $1,246.26 |
| Saint Louis County | $459.20 | $521.19 | $586.86 | $820.13 | $1,246.26 |
| Saint Louis City | $459.20 | $521.19 | $586.86 | $820.13 | $1,246.26 |
| Sainte Genevieve County | $459.20 | $521.19 | $586.86 | $820.13 | $1,246.26 |
| Warren County | $459.20 | $521.19 | $586.86 | $820.13 | $1,246.26 |
| Washington County | $459.20 | $521.19 | $586.86 | $820.13 | $1,246.26 |
| Barton County | $506.88 | $575.31 | $647.79 | $905.29 | $1,375.68 |
| Jasper County | $506.88 | $575.31 | $647.79 | $905.29 | $1,375.68 |
| McDonald County | $506.88 | $575.31 | $647.79 | $905.29 | $1,375.68 |
| Newton County | $506.88 | $575.31 | $647.79 | $905.29 | $1,375.68 |
| Cass County | $531.86 | $603.67 | $679.72 | $949.91 | $1,443.48 |
| Clay County | $531.86 | $603.67 | $679.72 | $949.91 | $1,443.48 |
| Jackson County | $531.86 | $603.67 | $679.72 | $949.91 | $1,443.48 |
| Platte County | $531.86 | $603.67 | $679.72 | $949.91 | $1,443.48 |
| Bates County | $540.49 | $613.46 | $690.75 | $965.32 | $1,466.89 |
| Benton County | $540.49 | $613.46 | $690.75 | $965.32 | $1,466.89 |
| Henry County | $540.49 | $613.46 | $690.75 | $965.32 | $1,466.89 |
| Johnson County | $540.49 | $613.46 | $690.75 | $965.32 | $1,466.89 |
| Lafayette County | $540.49 | $613.46 | $690.75 | $965.32 | $1,466.89 |
| Pettis County | $540.49 | $613.46 | $690.75 | $965.32 | $1,466.89 |
| Saint Clair County | $540.49 | $613.46 | $690.75 | $965.32 | $1,466.89 |
| Saline County | $540.49 | $613.46 | $690.75 | $965.32 | $1,466.89 |
| Vernon County | $540.49 | $613.46 | $690.75 | $965.32 | $1,466.89 |
| Barry County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Cedar County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Christian County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Dade County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Dallas County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Douglas County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Greene County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Hickory County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Laclede County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Lawrence County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Ozark County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Polk County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Stone County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Taney County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Webster County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Wright County | $544.08 | $617.53 | $695.33 | $971.72 | $1,476.62 |
| Carter County | $554.59 | $629.46 | $708.76 | $990.50 | $1,505.15 |
| Crawford County | $554.59 | $629.46 | $708.76 | $990.50 | $1,505.15 |
| Dent County | $554.59 | $629.46 | $708.76 | $990.50 | $1,505.15 |
| Howell County | $554.59 | $629.46 | $708.76 | $990.50 | $1,505.15 |
| Iron County | $554.59 | $629.46 | $708.76 | $990.50 | $1,505.15 |
| Oregon County | $554.59 | $629.46 | $708.76 | $990.50 | $1,505.15 |
| Phelps County | $554.59 | $629.46 | $708.76 | $990.50 | $1,505.15 |
| Pulaski County | $554.59 | $629.46 | $708.76 | $990.50 | $1,505.15 |
| Reynolds County | $554.59 | $629.46 | $708.76 | $990.50 | $1,505.15 |
| Ripley County | $554.59 | $629.46 | $708.76 | $990.50 | $1,505.15 |
| Shannon County | $554.59 | $629.46 | $708.76 | $990.50 | $1,505.15 |
| Texas County | $554.59 | $629.46 | $708.76 | $990.50 | $1,505.15 |
| Audrain County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Boone County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Callaway County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Camden County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Chariton County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Cole County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Cooper County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Gasconade County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Howard County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Maries County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Miller County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Moniteau County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Monroe County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Montgomery County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Morgan County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Osage County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Randolph County | $554.64 | $629.52 | $708.83 | $990.59 | $1,505.29 |
| Bollinger County | $585.82 | $664.91 | $748.68 | $1,046.28 | $1,589.92 |
| Butler County | $585.82 | $664.91 | $748.68 | $1,046.28 | $1,589.92 |
| Cape Girardeau County | $585.82 | $664.91 | $748.68 | $1,046.28 | $1,589.92 |
| Dunklin County | $585.82 | $664.91 | $748.68 | $1,046.28 | $1,589.92 |
| Madison County | $585.82 | $664.91 | $748.68 | $1,046.28 | $1,589.92 |
| Mississippi County | $585.82 | $664.91 | $748.68 | $1,046.28 | $1,589.92 |
| New Madrid County | $585.82 | $664.91 | $748.68 | $1,046.28 | $1,589.92 |
| Pemiscot County | $585.82 | $664.91 | $748.68 | $1,046.28 | $1,589.92 |
| Perry County | $585.82 | $664.91 | $748.68 | $1,046.28 | $1,589.92 |
| Scott County | $585.82 | $664.91 | $748.68 | $1,046.28 | $1,589.92 |
| Stoddard County | $585.82 | $664.91 | $748.68 | $1,046.28 | $1,589.92 |
| Wayne County | $585.82 | $664.91 | $748.68 | $1,046.28 | $1,589.92 |
| Adair County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Clark County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Knox County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Lewis County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Linn County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Macon County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Marion County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Pike County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Putnam County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Ralls County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Schuyler County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Scotland County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Shelby County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Sullivan County | $592.18 | $672.12 | $756.80 | $1,057.63 | $1,607.16 |
| Andrew County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Atchison County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Buchanan County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Caldwell County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Carroll County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Clinton County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Daviess County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| DeKalb County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Gentry County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Grundy County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Harrison County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Holt County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Livingston County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Mercer County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Nodaway County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Ray County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
| Worth County | $603.81 | $685.32 | $771.67 | $1,078.40 | $1,638.74 |
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.