UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)
Starting at
$415
/month before subsidy
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) is a 2026 Gold HMO health insurance plan from Issuer 72375, sold on the ACA Marketplace in Maryland under plan ID 72375MD0070034. The monthly premium starts at $415 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 $7,300 ($7,300 for a family). After the deductible, coinsurance is 45% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 72375MD0070034
- Plan year
- 2026
- State
- Maryland
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$7,300
Family: $7,300
Coinsurance
45%
You pay after deductible
Network Type
HMO
MDN011
Medical Services
Prescription Drugs
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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.
If you max out this year
$1,023/month
Annual Premium
$4,980
OOP Maximum
$7,300
💡 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 $7,300 total. Then insurance covers everything else for the year.
More plans from Issuer 72375 in Maryland
- UHC Bronze Essential ($0 Virtual Urgent Care)from $283/mo
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)from $318/mo
- UHC Bronze Value Planfrom $307/mo
- UHC Silver ($0 Virtual Urgent Care)from $403/mo
- UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)from $414/mo
- UHC Silver Value Planfrom $415/mo
- UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision)from $435/mo
- UHC Gold Value Planfrom $431/mo
Frequently asked questions about UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)
How much does UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) cost per month?
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) from Issuer 72375 starts at $415 per month before any subsidy in Maryland. 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)?
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)?
The most you would pay in a year for covered in-network care is $7,300 for an individual and $7,300 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) HSA-eligible?
No. UHC Gold Copay Focus $0 Indiv Med Ded ($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 Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) use?
UHC Gold Copay Focus $0 Indiv Med Ded ($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.