PlanVoyager
All plans in ArizonaCompare with subsidy estimate
BronzeHMOHSA Eligible

UHC Bronze Essential ($0 Virtual Urgent Care)

UnitedHealthcare

Starting at

$436

/month before subsidy

Key facts

UHC Bronze Essential ($0 Virtual Urgent Care) is a 2026 Bronze HMO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in Arizona under plan ID 40702AZ0060051. The monthly premium starts at $436 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $10,600 ($21,200 for a family), and the individual out-of-pocket maximum is $10,600 ($21,200 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID
40702AZ0060051
Plan year
2026
State
Arizona
Metal level
Bronze
Plan type
HMO
HSA-eligible
Yes

Individual Deductible

$10,600

Family: $21,200

Out-of-Pocket Max

$10,600

Family: $21,200

Coinsurance

0%

You pay after deductible

Network Type

HMO

AZN011

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care VisitNo Charge after deductible
Specialist VisitNo Charge after deductible
Urgent CareNo Charge after deductible
Emergency RoomNo Charge after deductible

Prescription Drugs

Generic DrugsNo Charge after deductible
Brand Name DrugsNo Charge after deductible
Specialty DrugsNo Charge after deductible
CMS Quality Rating
The federal government's star rating for this plan, based on clinical data and member surveys — the same rating shown on HealthCare.gov.
3.0overall
Medical care

How well doctors manage and coordinate care

Member experience
Not rated

Member-survey satisfaction with the plan

Plan administration

Customer service, billing, and access to information

What you'd typically pay
Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$10,660

your estimated cost

Deductible
$10,600
Copays
$0
Coinsurance
$0

Managing type 2 diabetes

A year of routine care

$1,100

your estimated cost

Deductible
$1,100
Copays
$0
Coinsurance
$0

A simple fracture

ER visit + follow-up

$2,800

your estimated cost

Deductible
$2,800
Copays
$0
Coinsurance
$0
Is your medication or doctor covered?
Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.
Check a medication
Check a doctor

Enter your ZIP code first to search nearby doctors.

Official Plan Documents
Published by UnitedHealthcare. These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

This Bronze HMO plan is ideal for healthy individuals who want the lowest monthly premium and can handle higher out-of-pocket costs if they need care.

Consider this plan if you:

  • Rarely visit the doctor beyond annual checkups
  • Have savings to cover the $10,600 deductible if needed
  • Primarily need coverage for unexpected emergencies
  • Want to minimize monthly healthcare expenses

This summary is generated based on plan attributes for educational purposes only.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,319/month

Annual Premium

$5,232

OOP Maximum

$10,600

💡 What this means:

With a $10,600 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.

More plans from UnitedHealthcare in Arizona

View all Marketplace plans in Arizona

Frequently asked questions about UHC Bronze Essential ($0 Virtual Urgent Care)

How much does UHC Bronze Essential ($0 Virtual Urgent Care) cost per month?

UHC Bronze Essential ($0 Virtual Urgent Care) from UnitedHealthcare starts at $436 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 Bronze Essential ($0 Virtual Urgent Care)?

The individual medical deductible is $10,600, and the family deductible is $21,200. 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 Bronze Essential ($0 Virtual Urgent Care)?

The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is UHC Bronze Essential ($0 Virtual Urgent Care) HSA-eligible?

Yes. UHC Bronze Essential ($0 Virtual Urgent Care) is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.

What type of network does UHC Bronze Essential ($0 Virtual Urgent Care) use?

UHC Bronze Essential ($0 Virtual Urgent Care) 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

Enroll at HealthCare.govBrowse Arizona plans

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.