UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals)
Silver · EPO · UnitedHealthcare · Missouri
At age 40 it costs between $628.62 and $826.58 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 | $3,500 | $10,300 | $20 | $10 |
| up to 150% of the federal poverty level | $250 | $1,800 | $1 | $3 |
| 150% to 200% | $1,500 | $3,050 | $5 | $5 |
| 200% to 250% | $3,000 | $8,200 | $20 | $8 |
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 | 95426MO0420002 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $3,500 |
| Deductible (family) | $7,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,300 |
| Family maximum | $20,600 |
| Primary care visit | $20 |
| Specialist visit | $90 |
| Emergency room | $1,000 Copay after deductible |
| Inpatient stay | 30% Coinsurance after deductible |
| Generic drugs | $10 |
| Preferred brand drugs | $85 Copay after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 97.29% |
| 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 | $491.88 | $558.28 | $628.62 | $878.49 | $1,334.95 |
| Jefferson County | $491.88 | $558.28 | $628.62 | $878.49 | $1,334.95 |
| Lincoln County | $491.88 | $558.28 | $628.62 | $878.49 | $1,334.95 |
| Saint Charles County | $491.88 | $558.28 | $628.62 | $878.49 | $1,334.95 |
| Saint Francois County | $491.88 | $558.28 | $628.62 | $878.49 | $1,334.95 |
| Saint Louis County | $491.88 | $558.28 | $628.62 | $878.49 | $1,334.95 |
| Saint Louis City | $491.88 | $558.28 | $628.62 | $878.49 | $1,334.95 |
| Sainte Genevieve County | $491.88 | $558.28 | $628.62 | $878.49 | $1,334.95 |
| Warren County | $491.88 | $558.28 | $628.62 | $878.49 | $1,334.95 |
| Washington County | $491.88 | $558.28 | $628.62 | $878.49 | $1,334.95 |
| Barton County | $542.95 | $616.25 | $693.89 | $969.71 | $1,473.57 |
| Jasper County | $542.95 | $616.25 | $693.89 | $969.71 | $1,473.57 |
| McDonald County | $542.95 | $616.25 | $693.89 | $969.71 | $1,473.57 |
| Newton County | $542.95 | $616.25 | $693.89 | $969.71 | $1,473.57 |
| Cass County | $569.71 | $646.63 | $728.10 | $1,017.51 | $1,546.20 |
| Clay County | $569.71 | $646.63 | $728.10 | $1,017.51 | $1,546.20 |
| Jackson County | $569.71 | $646.63 | $728.10 | $1,017.51 | $1,546.20 |
| Platte County | $569.71 | $646.63 | $728.10 | $1,017.51 | $1,546.20 |
| Bates County | $578.95 | $657.11 | $739.90 | $1,034.01 | $1,571.28 |
| Benton County | $578.95 | $657.11 | $739.90 | $1,034.01 | $1,571.28 |
| Henry County | $578.95 | $657.11 | $739.90 | $1,034.01 | $1,571.28 |
| Johnson County | $578.95 | $657.11 | $739.90 | $1,034.01 | $1,571.28 |
| Lafayette County | $578.95 | $657.11 | $739.90 | $1,034.01 | $1,571.28 |
| Pettis County | $578.95 | $657.11 | $739.90 | $1,034.01 | $1,571.28 |
| Saint Clair County | $578.95 | $657.11 | $739.90 | $1,034.01 | $1,571.28 |
| Saline County | $578.95 | $657.11 | $739.90 | $1,034.01 | $1,571.28 |
| Vernon County | $578.95 | $657.11 | $739.90 | $1,034.01 | $1,571.28 |
| Barry County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Cedar County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Christian County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Dade County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Dallas County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Douglas County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Greene County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Hickory County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Laclede County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Lawrence County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Ozark County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Polk County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Stone County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Taney County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Webster County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Wright County | $582.80 | $661.47 | $744.81 | $1,040.87 | $1,581.71 |
| Carter County | $594.06 | $674.25 | $759.20 | $1,060.98 | $1,612.27 |
| Crawford County | $594.06 | $674.25 | $759.20 | $1,060.98 | $1,612.27 |
| Dent County | $594.06 | $674.25 | $759.20 | $1,060.98 | $1,612.27 |
| Howell County | $594.06 | $674.25 | $759.20 | $1,060.98 | $1,612.27 |
| Iron County | $594.06 | $674.25 | $759.20 | $1,060.98 | $1,612.27 |
| Oregon County | $594.06 | $674.25 | $759.20 | $1,060.98 | $1,612.27 |
| Phelps County | $594.06 | $674.25 | $759.20 | $1,060.98 | $1,612.27 |
| Pulaski County | $594.06 | $674.25 | $759.20 | $1,060.98 | $1,612.27 |
| Reynolds County | $594.06 | $674.25 | $759.20 | $1,060.98 | $1,612.27 |
| Ripley County | $594.06 | $674.25 | $759.20 | $1,060.98 | $1,612.27 |
| Shannon County | $594.06 | $674.25 | $759.20 | $1,060.98 | $1,612.27 |
| Texas County | $594.06 | $674.25 | $759.20 | $1,060.98 | $1,612.27 |
| Audrain County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Boone County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Callaway County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Camden County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Chariton County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Cole County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Cooper County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Gasconade County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Howard County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Maries County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Miller County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Moniteau County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Monroe County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Montgomery County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Morgan County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Osage County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Randolph County | $594.11 | $674.32 | $759.27 | $1,061.08 | $1,612.42 |
| Bollinger County | $627.51 | $712.23 | $801.96 | $1,120.74 | $1,703.07 |
| Butler County | $627.51 | $712.23 | $801.96 | $1,120.74 | $1,703.07 |
| Cape Girardeau County | $627.51 | $712.23 | $801.96 | $1,120.74 | $1,703.07 |
| Dunklin County | $627.51 | $712.23 | $801.96 | $1,120.74 | $1,703.07 |
| Madison County | $627.51 | $712.23 | $801.96 | $1,120.74 | $1,703.07 |
| Mississippi County | $627.51 | $712.23 | $801.96 | $1,120.74 | $1,703.07 |
| New Madrid County | $627.51 | $712.23 | $801.96 | $1,120.74 | $1,703.07 |
| Pemiscot County | $627.51 | $712.23 | $801.96 | $1,120.74 | $1,703.07 |
| Perry County | $627.51 | $712.23 | $801.96 | $1,120.74 | $1,703.07 |
| Scott County | $627.51 | $712.23 | $801.96 | $1,120.74 | $1,703.07 |
| Stoddard County | $627.51 | $712.23 | $801.96 | $1,120.74 | $1,703.07 |
| Wayne County | $627.51 | $712.23 | $801.96 | $1,120.74 | $1,703.07 |
| Adair County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Clark County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Knox County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Lewis County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Linn County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Macon County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Marion County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Pike County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Putnam County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Ralls County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Schuyler County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Scotland County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Shelby County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Sullivan County | $634.32 | $719.95 | $810.66 | $1,132.89 | $1,721.54 |
| Andrew County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Atchison County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Buchanan County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Caldwell County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Carroll County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Clinton County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Daviess County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| DeKalb County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Gentry County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Grundy County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Harrison County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Holt County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Livingston County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Mercer County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Nodaway County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Ray County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
| Worth County | $646.78 | $734.09 | $826.58 | $1,155.15 | $1,755.36 |
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.