UHC Silver Copay Focus+ (Dental + Vision, No Referrals)
Starting at
$639
/month before subsidy
UHC Silver Copay Focus+ (Dental + Vision, No Referrals) is a 2026 Silver HMO health insurance plan from Issuer 42529, sold on the ACA Marketplace in Illinois under plan ID 42529IL0080007. The monthly premium starts at $639 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 $10,400 ($10,400 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 42529IL0080007
- Plan year
- 2026
- State
- Illinois
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$10,400
Family: $10,400
Coinsurance
30%
You pay after deductible
Network Type
HMO
ILN011
Medical Services
Prescription Drugs
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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
$1,506/month
Annual Premium
$7,668
OOP Maximum
$10,400
💡 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 $10,400 total. Then insurance covers everything else for the year.
More plans from Issuer 42529 in Illinois
- UHC Bronze Essential (No Referrals)from $379/mo
- UHC Bronze Copay Focus (No Referrals)from $437/mo
- UHC Bronze Copay Focus+ (Dental + Vision, No Referrals)from $453/mo
- UHC Bronze Standard (No Referrals)from $404/mo
- UHC Bronze Value (Rx Copay, No Referrals)from $419/mo
- UHC Bronze Value+ (Rx Copay, Dental + Vision, No Referrals)from $434/mo
- UHC Silver Advantage (Rx Copay, No Referrals)from $621/mo
- UHC Silver Advantage+ (Rx Copay, Dental + Vision, No Referrals)from $637/mo
Frequently asked questions about UHC Silver Copay Focus+ (Dental + Vision, No Referrals)
How much does UHC Silver Copay Focus+ (Dental + Vision, No Referrals) cost per month?
UHC Silver Copay Focus+ (Dental + Vision, No Referrals) from Issuer 42529 starts at $639 per month before any subsidy in Illinois. 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+ (Dental + Vision, No Referrals)?
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+ (Dental + Vision, No Referrals)?
The most you would pay in a year for covered in-network care is $10,400 for an individual and $10,400 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+ (Dental + Vision, No Referrals) HSA-eligible?
No. UHC Silver Copay Focus+ (Dental + Vision, No Referrals) 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+ (Dental + Vision, No Referrals) use?
UHC Silver Copay Focus+ (Dental + Vision, No Referrals) 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.