All plans in Oklahoma Compare with subsidy estimate

Expanded_bronzeHMOHSA Eligible

UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)

UnitedHealthcare

Starting at

$540

/month before subsidy

Key facts

UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) is a 2026 Expanded_bronze HMO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in Oklahoma under plan ID 45480OK0050035. The monthly premium starts at $540 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 $10,600 ($21,200 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID: 45480OK0050035
Plan year: 2026
State: Oklahoma
Metal level: Expanded_bronze
Plan type: HMO
HSA-eligible: Yes

Individual Deductible

Family: $0

Out-of-Pocket Max

$10,600

Family: $21,200

Coinsurance

50%

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$50.00

Specialist Visit$150.00

Urgent Care$100.00

Emergency Room$2,250.00

Prescription Drugs

Generic Drugs$20.00

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
Member experience: Not rated
Plan administration

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

$3,560

your estimated cost

Deductible: $0
Copays: $3,500
Coinsurance: $0

Managing type 2 diabetes

A year of routine care

$700

your estimated cost

Deductible: $0
Copays: $700
Coinsurance: $0

A simple fracture

ER visit + follow-up

$2,720

your estimated cost

Deductible: $0
Copays: $2,700
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 summary Plan BrochureFull plan details from the insurer Drug FormularyCovered prescriptions & drug tiers

Who This Plan Is Best For

Review the plan details above to determine if this plan fits your healthcare needs and budget.

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

$1,423/month

Annual Premium

$6,480

OOP Maximum

$10,600

💡 What this means:

With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,600 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 Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)

How much does UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) cost per month?

UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) from UnitedHealthcare starts at $540 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 Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, 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 Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)?

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 Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) HSA-eligible?

Yes. UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) 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 Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) use?

UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, 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

Enroll at HealthCare.gov Browse 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.