UHC Sanitas Silver Value ($0 Virtual Urgent Care)
Starting at
$636
/month before subsidy
UHC Sanitas Silver Value ($0 Virtual Urgent Care) is a 2026 Silver HMO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in Texas under plan ID 70754TX0020008. The monthly premium starts at $636 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,950 ($5,900 for a family), and the individual out-of-pocket maximum is $7,500 ($15,000 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 70754TX0020008
- Plan year
- 2026
- State
- Texas
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$2,950
Family: $5,900
Out-of-Pocket Max
$7,500
Family: $15,000
Coinsurance
40%
You pay after deductible
Network Type
HMO
TXN011
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$6,810
your estimated cost
- Deductible
- $2,950
- Copays
- $300
- Coinsurance
- $3,500
Managing type 2 diabetes
A year of routine care
$700
your estimated cost
- Deductible
- $500
- Copays
- $200
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,680
your estimated cost
- Deductible
- $2,600
- Copays
- $80
- Coinsurance
- $0
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
$1,261/month
Annual Premium
$7,632
OOP Maximum
$7,500
💡 What this means:
With a $2,950 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $7,500 total. Then insurance covers everything else for the year.
More plans from UnitedHealthcare in Texas
- UHC Bronze Essential ($0 Virtual Urgent Care)from $447/mo
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)from $495/mo
- UHC Bronze Standardfrom $468/mo
- UHC Bronze Standard+ (Dental + Vision)from $484/mo
- UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Dedfrom $453/mo
- UHC Kelsey-Seybold Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision)from $468/mo
- UHC Sanitas Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)from $472/mo
- UHC Sanitas Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision)from $489/mo
Frequently asked questions about UHC Sanitas Silver Value ($0 Virtual Urgent Care)
How much does UHC Sanitas Silver Value ($0 Virtual Urgent Care) cost per month?
UHC Sanitas Silver Value ($0 Virtual Urgent Care) from UnitedHealthcare starts at $636 per month before any subsidy in Texas. 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 Sanitas Silver Value ($0 Virtual Urgent Care)?
The individual medical deductible is $2,950, and the family deductible is $5,900. 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 Sanitas Silver Value ($0 Virtual Urgent Care)?
The most you would pay in a year for covered in-network care is $7,500 for an individual and $15,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is UHC Sanitas Silver Value ($0 Virtual Urgent Care) HSA-eligible?
No. UHC Sanitas Silver Value ($0 Virtual Urgent Care) 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 Sanitas Silver Value ($0 Virtual Urgent Care) use?
UHC Sanitas Silver Value ($0 Virtual Urgent Care) 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.