UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals)
Gold · EPO · UnitedHealthcare · Missouri
At age 40 it costs between $590.12 and $775.95 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 | 95426MO0410020 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | EPO |
| Deductible (individual) | $1,500 |
| Deductible (family) | $3,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,100 |
| Family maximum | $16,200 |
| Primary care visit | $15 |
| Specialist visit | $65 |
| Emergency room | $500 Copay after deductible |
| Inpatient stay | 35% Coinsurance after deductible |
| Generic drugs | $10 |
| Preferred brand drugs | $60 |
| Specialty drugs | 40% 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 | $461.75 | $524.08 | $590.12 | $824.68 | $1,253.19 |
| Jefferson County | $461.75 | $524.08 | $590.12 | $824.68 | $1,253.19 |
| Lincoln County | $461.75 | $524.08 | $590.12 | $824.68 | $1,253.19 |
| Saint Charles County | $461.75 | $524.08 | $590.12 | $824.68 | $1,253.19 |
| Saint Francois County | $461.75 | $524.08 | $590.12 | $824.68 | $1,253.19 |
| Saint Louis County | $461.75 | $524.08 | $590.12 | $824.68 | $1,253.19 |
| Saint Louis City | $461.75 | $524.08 | $590.12 | $824.68 | $1,253.19 |
| Sainte Genevieve County | $461.75 | $524.08 | $590.12 | $824.68 | $1,253.19 |
| Warren County | $461.75 | $524.08 | $590.12 | $824.68 | $1,253.19 |
| Washington County | $461.75 | $524.08 | $590.12 | $824.68 | $1,253.19 |
| Barton County | $509.70 | $578.51 | $651.39 | $910.32 | $1,383.32 |
| Jasper County | $509.70 | $578.51 | $651.39 | $910.32 | $1,383.32 |
| McDonald County | $509.70 | $578.51 | $651.39 | $910.32 | $1,383.32 |
| Newton County | $509.70 | $578.51 | $651.39 | $910.32 | $1,383.32 |
| Cass County | $534.82 | $607.02 | $683.50 | $955.19 | $1,451.50 |
| Clay County | $534.82 | $607.02 | $683.50 | $955.19 | $1,451.50 |
| Jackson County | $534.82 | $607.02 | $683.50 | $955.19 | $1,451.50 |
| Platte County | $534.82 | $607.02 | $683.50 | $955.19 | $1,451.50 |
| Bates County | $543.49 | $616.86 | $694.58 | $970.68 | $1,475.04 |
| Benton County | $543.49 | $616.86 | $694.58 | $970.68 | $1,475.04 |
| Henry County | $543.49 | $616.86 | $694.58 | $970.68 | $1,475.04 |
| Johnson County | $543.49 | $616.86 | $694.58 | $970.68 | $1,475.04 |
| Lafayette County | $543.49 | $616.86 | $694.58 | $970.68 | $1,475.04 |
| Pettis County | $543.49 | $616.86 | $694.58 | $970.68 | $1,475.04 |
| Saint Clair County | $543.49 | $616.86 | $694.58 | $970.68 | $1,475.04 |
| Saline County | $543.49 | $616.86 | $694.58 | $970.68 | $1,475.04 |
| Vernon County | $543.49 | $616.86 | $694.58 | $970.68 | $1,475.04 |
| Barry County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Cedar County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Christian County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Dade County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Dallas County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Douglas County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Greene County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Hickory County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Laclede County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Lawrence County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Ozark County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Polk County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Stone County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Taney County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Webster County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Wright County | $547.10 | $620.96 | $699.19 | $977.12 | $1,484.82 |
| Carter County | $557.67 | $632.95 | $712.70 | $996 | $1,513.51 |
| Crawford County | $557.67 | $632.95 | $712.70 | $996 | $1,513.51 |
| Dent County | $557.67 | $632.95 | $712.70 | $996 | $1,513.51 |
| Howell County | $557.67 | $632.95 | $712.70 | $996 | $1,513.51 |
| Iron County | $557.67 | $632.95 | $712.70 | $996 | $1,513.51 |
| Oregon County | $557.67 | $632.95 | $712.70 | $996 | $1,513.51 |
| Phelps County | $557.67 | $632.95 | $712.70 | $996 | $1,513.51 |
| Pulaski County | $557.67 | $632.95 | $712.70 | $996 | $1,513.51 |
| Reynolds County | $557.67 | $632.95 | $712.70 | $996 | $1,513.51 |
| Ripley County | $557.67 | $632.95 | $712.70 | $996 | $1,513.51 |
| Shannon County | $557.67 | $632.95 | $712.70 | $996 | $1,513.51 |
| Texas County | $557.67 | $632.95 | $712.70 | $996 | $1,513.51 |
| Audrain County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Boone County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Callaway County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Camden County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Chariton County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Cole County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Cooper County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Gasconade County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Howard County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Maries County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Miller County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Moniteau County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Monroe County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Montgomery County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Morgan County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Osage County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Randolph County | $557.72 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Bollinger County | $589.08 | $668.60 | $752.84 | $1,052.09 | $1,598.75 |
| Butler County | $589.08 | $668.60 | $752.84 | $1,052.09 | $1,598.75 |
| Cape Girardeau County | $589.08 | $668.60 | $752.84 | $1,052.09 | $1,598.75 |
| Dunklin County | $589.08 | $668.60 | $752.84 | $1,052.09 | $1,598.75 |
| Madison County | $589.08 | $668.60 | $752.84 | $1,052.09 | $1,598.75 |
| Mississippi County | $589.08 | $668.60 | $752.84 | $1,052.09 | $1,598.75 |
| New Madrid County | $589.08 | $668.60 | $752.84 | $1,052.09 | $1,598.75 |
| Pemiscot County | $589.08 | $668.60 | $752.84 | $1,052.09 | $1,598.75 |
| Perry County | $589.08 | $668.60 | $752.84 | $1,052.09 | $1,598.75 |
| Scott County | $589.08 | $668.60 | $752.84 | $1,052.09 | $1,598.75 |
| Stoddard County | $589.08 | $668.60 | $752.84 | $1,052.09 | $1,598.75 |
| Wayne County | $589.08 | $668.60 | $752.84 | $1,052.09 | $1,598.75 |
| Adair County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Clark County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Knox County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Lewis County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Linn County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Macon County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Marion County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Pike County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Putnam County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Ralls County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Schuyler County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Scotland County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Shelby County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Sullivan County | $595.46 | $675.85 | $761 | $1,063.50 | $1,616.09 |
| Andrew County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Atchison County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Buchanan County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Caldwell County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Carroll County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Clinton County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Daviess County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| DeKalb County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Gentry County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Grundy County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Harrison County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Holt County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Livingston County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Mercer County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Nodaway County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Ray County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
| Worth County | $607.16 | $689.13 | $775.95 | $1,084.39 | $1,647.84 |
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.