UHC Silver Copay Focus $0 Indiv Med Ded
Starting at
$631
/month before subsidy
UHC Silver Copay Focus $0 Indiv Med Ded is a 2026 Silver HMO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in South Carolina under plan ID 33764SC0030006. The monthly premium starts at $631 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 $10,150 ($20,300 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 33764SC0030006
- Plan year
- 2026
- State
- South Carolina
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$10,150
Family: $20,300
Coinsurance
30%
You pay after deductible
Network Type
HMO
SCN011
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$3,260
your estimated cost
- Deductible
- $0
- Copays
- $3,200
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$600
your estimated cost
- Deductible
- $0
- Copays
- $600
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,610
your estimated cost
- Deductible
- $0
- Copays
- $2,600
- Coinsurance
- $10
Enter your ZIP code first to search nearby doctors.
This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,477/month
Annual Premium
$7,572
OOP Maximum
$10,150
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $10,150 total. Then insurance covers everything else for the year.
More plans from UnitedHealthcare in South Carolina
- UHC Bronze Essentialfrom $411/mo
- UHC Bronze Essential-from $411/mo
- UHC Bronze Copay Focus $0 Indiv Med Dedfrom $449/mo
- UHC Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision)from $461/mo
- UHC Bronze Standardfrom $434/mo
- UHC Bronze Standard Plus Chirofrom $437/mo
- UHC Silver Advantagefrom $629/mo
- UHC Silver Advantage+ (Dental + Vision)from $642/mo
Frequently asked questions about UHC Silver Copay Focus $0 Indiv Med Ded
How much does UHC Silver Copay Focus $0 Indiv Med Ded cost per month?
UHC Silver Copay Focus $0 Indiv Med Ded from UnitedHealthcare starts at $631 per month before any subsidy in South Carolina. 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 Silver Copay Focus $0 Indiv Med Ded?
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 Silver Copay Focus $0 Indiv Med Ded?
The most you would pay in a year for covered in-network care is $10,150 for an individual and $20,300 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is UHC Silver Copay Focus $0 Indiv Med Ded HSA-eligible?
No. UHC Silver Copay Focus $0 Indiv Med Ded 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 Silver Copay Focus $0 Indiv Med Ded use?
UHC Silver Copay Focus $0 Indiv Med Ded 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
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.