UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)
Starting at
$1138
/month before subsidy
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) is a 2026 Silver EPO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in Wyoming under plan ID 49714WY0200005. The monthly premium starts at $1,138 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,000 ($8,000 for a family), 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
- 49714WY0200005
- Plan year
- 2026
- State
- Wyoming
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$4,000
Family: $8,000
Out-of-Pocket Max
$10,150
Family: $20,300
Coinsurance
30%
You pay after deductible
Network Type
EPO
WYN011
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$6,060
your estimated cost
- Deductible
- $4,000
- Copays
- $200
- Coinsurance
- $1,800
Managing type 2 diabetes
A year of routine care
$600
your estimated cost
- Deductible
- $200
- Copays
- $400
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,600
your estimated cost
- Deductible
- $2,100
- Copays
- $500
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver EPO 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
$1,984/month
Annual Premium
$13,656
OOP Maximum
$10,150
💡 What this means:
With a $4,000 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 Wyoming
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)from $894/mo
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals)from $912/mo
- UHC Bronze Standard (No Referrals)from $868/mo
- UHC Bronze Value HSA (No Referrals)from $875/mo
- UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals)from $1156/mo
- UHC Silver Standard (No Referrals)from $1128/mo
- UHC Silver Value ($0 Virtual Urgent Care, No Referrals)from $1137/mo
- UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals)from $1098/mo
Frequently asked questions about UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)
How much does UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) cost per month?
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) from UnitedHealthcare starts at $1,138 per month before any subsidy in Wyoming. 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 Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)?
The individual medical deductible is $4,000, and the family deductible is $8,000. 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 Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)?
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 Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) HSA-eligible?
No. UHC Silver Advantage ($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 Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) use?
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
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.