UHC Silver Advantage On Exchange
Starting at
$706
/month before subsidy
UHC Silver Advantage On Exchange is a 2026 Silver HMO health insurance plan from Issuer 65428, sold on the ACA Marketplace in New Mexico under plan ID 65428NM0020002. The monthly premium starts at $706 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,250 ($4,250 for a family), and the individual out-of-pocket maximum is $9,200 ($9,200 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 65428NM0020002
- Plan year
- 2026
- State
- New Mexico
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$4,250
Family: $4,250
Out-of-Pocket Max
$9,200
Family: $9,200
Coinsurance
30%
You pay after deductible
Network Type
HMO
NMN011
Medical Services
Prescription Drugs
Enter your ZIP code first to search nearby doctors.
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
$1,473/month
Annual Premium
$8,472
OOP Maximum
$9,200
💡 What this means:
With a $4,250 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $9,200 total. Then insurance covers everything else for the year.
More plans from Issuer 65428 in New Mexico
Frequently asked questions about UHC Silver Advantage On Exchange
How much does UHC Silver Advantage On Exchange cost per month?
UHC Silver Advantage On Exchange from Issuer 65428 starts at $706 per month before any subsidy in New Mexico. 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 On Exchange?
The individual medical deductible is $4,250, and the family deductible is $4,250. 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 On Exchange?
The most you would pay in a year for covered in-network care is $9,200 for an individual and $9,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is UHC Silver Advantage On Exchange HSA-eligible?
No. UHC Silver Advantage On Exchange 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 On Exchange use?
UHC Silver Advantage On Exchange 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.