UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals)
Gold · EPO · UnitedHealthcare · Missouri
At age 40 it costs between $610.82 and $803.18 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 | 95426MO0410018 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | EPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $500 |
| Most you could pay in a year | $8,000 |
| Family maximum | $16,000 |
| Primary care visit | $25 |
| Specialist visit | $80 |
| Emergency room | $500 |
| Inpatient stay | $2,000 Copay per Day |
| Generic drugs | $8 |
| 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 | 1-877-940-4172 · 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 | $477.95 | $542.47 | $610.82 | $853.62 | $1,297.15 |
| Jefferson County | $477.95 | $542.47 | $610.82 | $853.62 | $1,297.15 |
| Lincoln County | $477.95 | $542.47 | $610.82 | $853.62 | $1,297.15 |
| Saint Charles County | $477.95 | $542.47 | $610.82 | $853.62 | $1,297.15 |
| Saint Francois County | $477.95 | $542.47 | $610.82 | $853.62 | $1,297.15 |
| Saint Louis County | $477.95 | $542.47 | $610.82 | $853.62 | $1,297.15 |
| Saint Louis City | $477.95 | $542.47 | $610.82 | $853.62 | $1,297.15 |
| Sainte Genevieve County | $477.95 | $542.47 | $610.82 | $853.62 | $1,297.15 |
| Warren County | $477.95 | $542.47 | $610.82 | $853.62 | $1,297.15 |
| Washington County | $477.95 | $542.47 | $610.82 | $853.62 | $1,297.15 |
| Barton County | $527.58 | $598.80 | $674.25 | $942.26 | $1,431.85 |
| Jasper County | $527.58 | $598.80 | $674.25 | $942.26 | $1,431.85 |
| McDonald County | $527.58 | $598.80 | $674.25 | $942.26 | $1,431.85 |
| Newton County | $527.58 | $598.80 | $674.25 | $942.26 | $1,431.85 |
| Cass County | $553.58 | $628.32 | $707.48 | $988.70 | $1,502.42 |
| Clay County | $553.58 | $628.32 | $707.48 | $988.70 | $1,502.42 |
| Jackson County | $553.58 | $628.32 | $707.48 | $988.70 | $1,502.42 |
| Platte County | $553.58 | $628.32 | $707.48 | $988.70 | $1,502.42 |
| Bates County | $562.56 | $638.51 | $718.95 | $1,004.73 | $1,526.79 |
| Benton County | $562.56 | $638.51 | $718.95 | $1,004.73 | $1,526.79 |
| Henry County | $562.56 | $638.51 | $718.95 | $1,004.73 | $1,526.79 |
| Johnson County | $562.56 | $638.51 | $718.95 | $1,004.73 | $1,526.79 |
| Lafayette County | $562.56 | $638.51 | $718.95 | $1,004.73 | $1,526.79 |
| Pettis County | $562.56 | $638.51 | $718.95 | $1,004.73 | $1,526.79 |
| Saint Clair County | $562.56 | $638.51 | $718.95 | $1,004.73 | $1,526.79 |
| Saline County | $562.56 | $638.51 | $718.95 | $1,004.73 | $1,526.79 |
| Vernon County | $562.56 | $638.51 | $718.95 | $1,004.73 | $1,526.79 |
| Barry County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Cedar County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Christian County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Dade County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Dallas County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Douglas County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Greene County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Hickory County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Laclede County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Lawrence County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Ozark County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Polk County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Stone County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Taney County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Webster County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Wright County | $566.29 | $642.74 | $723.72 | $1,011.40 | $1,536.92 |
| Carter County | $577.23 | $655.16 | $737.71 | $1,030.94 | $1,566.61 |
| Crawford County | $577.23 | $655.16 | $737.71 | $1,030.94 | $1,566.61 |
| Dent County | $577.23 | $655.16 | $737.71 | $1,030.94 | $1,566.61 |
| Howell County | $577.23 | $655.16 | $737.71 | $1,030.94 | $1,566.61 |
| Iron County | $577.23 | $655.16 | $737.71 | $1,030.94 | $1,566.61 |
| Oregon County | $577.23 | $655.16 | $737.71 | $1,030.94 | $1,566.61 |
| Phelps County | $577.23 | $655.16 | $737.71 | $1,030.94 | $1,566.61 |
| Pulaski County | $577.23 | $655.16 | $737.71 | $1,030.94 | $1,566.61 |
| Reynolds County | $577.23 | $655.16 | $737.71 | $1,030.94 | $1,566.61 |
| Ripley County | $577.23 | $655.16 | $737.71 | $1,030.94 | $1,566.61 |
| Shannon County | $577.23 | $655.16 | $737.71 | $1,030.94 | $1,566.61 |
| Texas County | $577.23 | $655.16 | $737.71 | $1,030.94 | $1,566.61 |
| Audrain County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Boone County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Callaway County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Camden County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Chariton County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Cole County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Cooper County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Gasconade County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Howard County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Maries County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Miller County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Moniteau County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Monroe County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Montgomery County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Morgan County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Osage County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Randolph County | $577.29 | $655.22 | $737.77 | $1,031.04 | $1,566.76 |
| Bollinger County | $609.74 | $692.06 | $779.25 | $1,089 | $1,654.84 |
| Butler County | $609.74 | $692.06 | $779.25 | $1,089 | $1,654.84 |
| Cape Girardeau County | $609.74 | $692.06 | $779.25 | $1,089 | $1,654.84 |
| Dunklin County | $609.74 | $692.06 | $779.25 | $1,089 | $1,654.84 |
| Madison County | $609.74 | $692.06 | $779.25 | $1,089 | $1,654.84 |
| Mississippi County | $609.74 | $692.06 | $779.25 | $1,089 | $1,654.84 |
| New Madrid County | $609.74 | $692.06 | $779.25 | $1,089 | $1,654.84 |
| Pemiscot County | $609.74 | $692.06 | $779.25 | $1,089 | $1,654.84 |
| Perry County | $609.74 | $692.06 | $779.25 | $1,089 | $1,654.84 |
| Scott County | $609.74 | $692.06 | $779.25 | $1,089 | $1,654.84 |
| Stoddard County | $609.74 | $692.06 | $779.25 | $1,089 | $1,654.84 |
| Wayne County | $609.74 | $692.06 | $779.25 | $1,089 | $1,654.84 |
| Adair County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Clark County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Knox County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Lewis County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Linn County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Macon County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Marion County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Pike County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Putnam County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Ralls County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Schuyler County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Scotland County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Shelby County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Sullivan County | $616.36 | $699.56 | $787.70 | $1,100.81 | $1,672.79 |
| Andrew County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Atchison County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Buchanan County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Caldwell County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Carroll County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Clinton County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Daviess County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| DeKalb County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Gentry County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Grundy County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Harrison County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Holt County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Livingston County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Mercer County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Nodaway County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Ray County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
| Worth County | $628.46 | $713.31 | $803.18 | $1,122.44 | $1,705.65 |
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.