PlanVoyager
All plans in OklahomaCompare with subsidy estimate
GoldHMO

UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)

UnitedHealthcare

Starting at

$743

/month before subsidy

Key facts

UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) is a 2026 Gold HMO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in Oklahoma under plan ID 45480OK0050034. The monthly premium starts at $743 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 $7,000 ($14,000 for a family). After the deductible, coinsurance is 45% for covered in-network care. The plan is not HSA-eligible.

Plan ID
45480OK0050034
Plan year
2026
State
Oklahoma
Metal level
Gold
Plan type
HMO
HSA-eligible
No

Individual Deductible

$0

Family: $0

Out-of-Pocket Max

$7,000

Family: $14,000

Coinsurance

45%

You pay after deductible

Network Type

HMO

OKN011

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

Medical Services

Primary Care Visit$20.00
Specialist Visit$75.00
Urgent Care$50.00
Emergency Room$500.00

Prescription Drugs

Generic Drugs$5.00
Brand Name Drugs45.00% Coinsurance after deductible
Specialty Drugs50.00% Coinsurance 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.
2.0overall
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

$2,360

your estimated cost

Deductible
$0
Copays
$2,300
Coinsurance
$0

Managing type 2 diabetes

A year of routine care

$500

your estimated cost

Deductible
$0
Copays
$500
Coinsurance
$0

A simple fracture

ER visit + follow-up

$1,420

your estimated cost

Deductible
$0
Copays
$1,400
Coinsurance
$20
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 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.

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

If you max out this year

$1,326/month

Annual Premium

$8,916

OOP Maximum

$7,000

💡 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 $7,000 total. Then insurance covers everything else for the year.

More plans from UnitedHealthcare in Oklahoma

View all Marketplace plans in Oklahoma

Frequently asked questions about UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)

How much does UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) cost per month?

UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) from UnitedHealthcare starts at $743 per month before any subsidy in Oklahoma. 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 Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, 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 Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)?

The most you would pay in a year for covered in-network care is $7,000 for an individual and $14,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) HSA-eligible?

No. UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, 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 Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) use?

UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, 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

Enroll at HealthCare.govBrowse Oklahoma 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.