UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals)
Silver · HMO · UnitedHealthcare · Mississippi
At age 40 it costs between $787.64 and $913 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 | $0 | $10,150 | $10 | $10 |
| up to 150% of the federal poverty level | $0 | $2,000 | $2 | $2 |
| 150% to 200% | $0 | $3,350 | $5 | $5 |
| 200% to 250% | $0 | $8,100 | $10 | $10 |
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 | 97560MS0080002 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $3,500 |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | $10 |
| Specialist visit | $100 |
| Emergency room | $1,500 |
| Inpatient stay | $2,500 Copay per Day |
| Generic drugs | $10 |
| Preferred brand drugs | $100 Copay after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 97.49% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-239-1451 · TTY 1-888-239-1451 |
Where it is sold, and what it costs there
69 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 |
|---|---|---|---|---|---|
| George County | $616.30 | $699.50 | $787.64 | $1,100.72 | $1,672.65 |
| Hancock County | $616.30 | $699.50 | $787.64 | $1,100.72 | $1,672.65 |
| Harrison County | $616.30 | $699.50 | $787.64 | $1,100.72 | $1,672.65 |
| Jackson County | $616.30 | $699.50 | $787.64 | $1,100.72 | $1,672.65 |
| Stone County | $616.30 | $699.50 | $787.64 | $1,100.72 | $1,672.65 |
| Attala County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Bolivar County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Carroll County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Chickasaw County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Choctaw County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Claiborne County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Clarke County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Clay County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Coahoma County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Covington County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Franklin County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Holmes County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Humphreys County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Issaquena County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Jasper County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Jefferson County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Jefferson Davis County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Kemper County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Lauderdale County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Lawrence County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Leake County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Leflore County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Lincoln County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Marion County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Monroe County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Montgomery County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Neshoba County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Newton County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Panola County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Pike County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Quitman County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Scott County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Sharkey County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Smith County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Sunflower County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Tallahatchie County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Walthall County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Washington County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Wayne County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Webster County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Winston County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Yalobusha County | $641.57 | $728.18 | $819.93 | $1,145.84 | $1,741.22 |
| Forrest County | $642.43 | $729.16 | $821.03 | $1,147.38 | $1,743.56 |
| Greene County | $642.43 | $729.16 | $821.03 | $1,147.38 | $1,743.56 |
| Jones County | $642.43 | $729.16 | $821.03 | $1,147.38 | $1,743.56 |
| Lamar County | $642.43 | $729.16 | $821.03 | $1,147.38 | $1,743.56 |
| Pearl River County | $642.43 | $729.16 | $821.03 | $1,147.38 | $1,743.56 |
| Perry County | $642.43 | $729.16 | $821.03 | $1,147.38 | $1,743.56 |
| Copiah County | $704.74 | $799.88 | $900.65 | $1,258.66 | $1,912.66 |
| Hinds County | $704.74 | $799.88 | $900.65 | $1,258.66 | $1,912.66 |
| Madison County | $704.74 | $799.88 | $900.65 | $1,258.66 | $1,912.66 |
| Rankin County | $704.74 | $799.88 | $900.65 | $1,258.66 | $1,912.66 |
| Simpson County | $704.74 | $799.88 | $900.65 | $1,258.66 | $1,912.66 |
| Warren County | $704.74 | $799.88 | $900.65 | $1,258.66 | $1,912.66 |
| Benton County | $709.98 | $805.83 | $907.35 | $1,268.02 | $1,926.88 |
| Itawamba County | $709.98 | $805.83 | $907.35 | $1,268.02 | $1,926.88 |
| Lee County | $709.98 | $805.83 | $907.35 | $1,268.02 | $1,926.88 |
| Pontotoc County | $709.98 | $805.83 | $907.35 | $1,268.02 | $1,926.88 |
| Tippah County | $709.98 | $805.83 | $907.35 | $1,268.02 | $1,926.88 |
| Union County | $709.98 | $805.83 | $907.35 | $1,268.02 | $1,926.88 |
| DeSoto County | $714.40 | $810.84 | $913 | $1,275.91 | $1,938.87 |
| Marshall County | $714.40 | $810.84 | $913 | $1,275.91 | $1,938.87 |
| Tate County | $714.40 | $810.84 | $913 | $1,275.91 | $1,938.87 |
| Tunica County | $714.40 | $810.84 | $913 | $1,275.91 | $1,938.87 |
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.