UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
Expanded Bronze · EPO · UnitedHealthcare · Missouri
At age 40 it costs between $506.48 and $665.98 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 | 95426MO0410019 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Expanded Bronze |
| Plan type | EPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $4,500 |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $50 |
| Specialist visit | $150 |
| Emergency room | $2,000 |
| Inpatient stay | $3,000 Copay per Day |
| Generic drugs | $20 |
| Preferred brand drugs | 40% Coinsurance 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 | $396.31 | $449.81 | $506.48 | $707.81 | $1,075.58 |
| Jefferson County | $396.31 | $449.81 | $506.48 | $707.81 | $1,075.58 |
| Lincoln County | $396.31 | $449.81 | $506.48 | $707.81 | $1,075.58 |
| Saint Charles County | $396.31 | $449.81 | $506.48 | $707.81 | $1,075.58 |
| Saint Francois County | $396.31 | $449.81 | $506.48 | $707.81 | $1,075.58 |
| Saint Louis County | $396.31 | $449.81 | $506.48 | $707.81 | $1,075.58 |
| Saint Louis City | $396.31 | $449.81 | $506.48 | $707.81 | $1,075.58 |
| Sainte Genevieve County | $396.31 | $449.81 | $506.48 | $707.81 | $1,075.58 |
| Warren County | $396.31 | $449.81 | $506.48 | $707.81 | $1,075.58 |
| Washington County | $396.31 | $449.81 | $506.48 | $707.81 | $1,075.58 |
| Barton County | $437.46 | $496.52 | $559.07 | $781.30 | $1,187.27 |
| Jasper County | $437.46 | $496.52 | $559.07 | $781.30 | $1,187.27 |
| McDonald County | $437.46 | $496.52 | $559.07 | $781.30 | $1,187.27 |
| Newton County | $437.46 | $496.52 | $559.07 | $781.30 | $1,187.27 |
| Cass County | $459.02 | $520.99 | $586.63 | $819.81 | $1,245.78 |
| Clay County | $459.02 | $520.99 | $586.63 | $819.81 | $1,245.78 |
| Jackson County | $459.02 | $520.99 | $586.63 | $819.81 | $1,245.78 |
| Platte County | $459.02 | $520.99 | $586.63 | $819.81 | $1,245.78 |
| Bates County | $466.47 | $529.44 | $596.14 | $833.11 | $1,265.99 |
| Benton County | $466.47 | $529.44 | $596.14 | $833.11 | $1,265.99 |
| Henry County | $466.47 | $529.44 | $596.14 | $833.11 | $1,265.99 |
| Johnson County | $466.47 | $529.44 | $596.14 | $833.11 | $1,265.99 |
| Lafayette County | $466.47 | $529.44 | $596.14 | $833.11 | $1,265.99 |
| Pettis County | $466.47 | $529.44 | $596.14 | $833.11 | $1,265.99 |
| Saint Clair County | $466.47 | $529.44 | $596.14 | $833.11 | $1,265.99 |
| Saline County | $466.47 | $529.44 | $596.14 | $833.11 | $1,265.99 |
| Vernon County | $466.47 | $529.44 | $596.14 | $833.11 | $1,265.99 |
| Barry County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Cedar County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Christian County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Dade County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Dallas County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Douglas County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Greene County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Hickory County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Laclede County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Lawrence County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Ozark County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Polk County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Stone County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Taney County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Webster County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Wright County | $469.56 | $532.95 | $600.10 | $838.64 | $1,274.39 |
| Carter County | $478.63 | $543.25 | $611.69 | $854.84 | $1,299.01 |
| Crawford County | $478.63 | $543.25 | $611.69 | $854.84 | $1,299.01 |
| Dent County | $478.63 | $543.25 | $611.69 | $854.84 | $1,299.01 |
| Howell County | $478.63 | $543.25 | $611.69 | $854.84 | $1,299.01 |
| Iron County | $478.63 | $543.25 | $611.69 | $854.84 | $1,299.01 |
| Oregon County | $478.63 | $543.25 | $611.69 | $854.84 | $1,299.01 |
| Phelps County | $478.63 | $543.25 | $611.69 | $854.84 | $1,299.01 |
| Pulaski County | $478.63 | $543.25 | $611.69 | $854.84 | $1,299.01 |
| Reynolds County | $478.63 | $543.25 | $611.69 | $854.84 | $1,299.01 |
| Ripley County | $478.63 | $543.25 | $611.69 | $854.84 | $1,299.01 |
| Shannon County | $478.63 | $543.25 | $611.69 | $854.84 | $1,299.01 |
| Texas County | $478.63 | $543.25 | $611.69 | $854.84 | $1,299.01 |
| Audrain County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Boone County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Callaway County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Camden County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Chariton County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Cole County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Cooper County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Gasconade County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Howard County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Maries County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Miller County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Moniteau County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Monroe County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Montgomery County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Morgan County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Osage County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Randolph County | $478.68 | $543.30 | $611.75 | $854.92 | $1,299.13 |
| Bollinger County | $505.59 | $573.84 | $646.14 | $902.98 | $1,372.17 |
| Butler County | $505.59 | $573.84 | $646.14 | $902.98 | $1,372.17 |
| Cape Girardeau County | $505.59 | $573.84 | $646.14 | $902.98 | $1,372.17 |
| Dunklin County | $505.59 | $573.84 | $646.14 | $902.98 | $1,372.17 |
| Madison County | $505.59 | $573.84 | $646.14 | $902.98 | $1,372.17 |
| Mississippi County | $505.59 | $573.84 | $646.14 | $902.98 | $1,372.17 |
| New Madrid County | $505.59 | $573.84 | $646.14 | $902.98 | $1,372.17 |
| Pemiscot County | $505.59 | $573.84 | $646.14 | $902.98 | $1,372.17 |
| Perry County | $505.59 | $573.84 | $646.14 | $902.98 | $1,372.17 |
| Scott County | $505.59 | $573.84 | $646.14 | $902.98 | $1,372.17 |
| Stoddard County | $505.59 | $573.84 | $646.14 | $902.98 | $1,372.17 |
| Wayne County | $505.59 | $573.84 | $646.14 | $902.98 | $1,372.17 |
| Adair County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Clark County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Knox County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Lewis County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Linn County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Macon County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Marion County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Pike County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Putnam County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Ralls County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Schuyler County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Scotland County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Shelby County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Sullivan County | $511.07 | $580.07 | $653.15 | $912.77 | $1,387.05 |
| Andrew County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Atchison County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Buchanan County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Caldwell County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Carroll County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Clinton County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Daviess County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| DeKalb County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Gentry County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Grundy County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Harrison County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Holt County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Livingston County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Mercer County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Nodaway County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Ray County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
| Worth County | $521.11 | $591.46 | $665.98 | $930.71 | $1,414.30 |
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.