UHC Sanitas Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin)
Starting at
$837
/month before subsidy
UHC Sanitas Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) is a 2027 Gold HMO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in Arizona under plan ID 32343AZ0010007. The monthly premium starts at $837 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $8,000 ($16,000 for a family). After the deductible, coinsurance is 45% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 32343AZ0010007
- Plan year
- 2027
- State
- Arizona
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$8,000
Family: $16,000
Coinsurance
45%
You pay after deductible
Network Type
HMO
AZN011
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$2,560
your estimated cost
- Deductible
- $0
- Copays
- $2,500
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$400
your estimated cost
- Deductible
- $0
- Copays
- $400
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,320
your estimated cost
- Deductible
- $0
- Copays
- $2,300
- Coinsurance
- $20
Enter your ZIP code first to search nearby doctors.
This Gold HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,504/month
Annual Premium
$10,044
OOP Maximum
$8,000
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 45% (coinsurance) until you hit $8,000 total. Then insurance covers everything else for the year.
More plans from UnitedHealthcare in Arizona
- UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin)from $541/mo
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin)from $603/mo
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision)from $623/mo
- UHC Bronze Standard (HSA, $0 Insulin)from $562/mo
- UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision)from $582/mo
- UHC Sanitas Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin)from $624/mo
- UHC Sanitas Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision)from $647/mo
- UHC Sanitas Bronze Standard (HSA, $0 Insulin)from $568/mo
Frequently asked questions about UHC Sanitas Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin)
How much does UHC Sanitas Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) cost per month?
UHC Sanitas Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) from UnitedHealthcare starts at $837 per month before any subsidy in Arizona. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for UHC Sanitas Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin)?
The individual medical deductible is $0. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for UHC Sanitas Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin)?
The most you would pay in a year for covered in-network care is $8,000 for an individual and $16,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is UHC Sanitas Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) HSA-eligible?
No. UHC Sanitas Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does UHC Sanitas Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) use?
UHC Sanitas Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.