UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)
Starting at
$827
/month before subsidy
UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) is a 2026 Gold EPO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in Nebraska under plan ID 73102NE0080008. The monthly premium starts at $827 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,750 ($3,500 for a family), and the individual out-of-pocket maximum is $8,200 ($16,400 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 73102NE0080008
- Plan year
- 2026
- State
- Nebraska
- Metal level
- Gold
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$1,750
Family: $3,500
Out-of-Pocket Max
$8,200
Family: $16,400
Coinsurance
20%
You pay after deductible
Network Type
EPO
NEN011
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$3,710
your estimated cost
- Deductible
- $1,750
- Copays
- $300
- Coinsurance
- $1,600
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
$2,050
your estimated cost
- Deductible
- $1,750
- Copays
- $200
- Coinsurance
- $100
Enter your ZIP code first to search nearby doctors.
This Gold EPO 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
$1,510/month
Annual Premium
$9,924
OOP Maximum
$8,200
💡 What this means:
With a $1,750 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $8,200 total. Then insurance covers everything else for the year.
More plans from UnitedHealthcare in Nebraska
- UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals)from $573/mo
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)from $621/mo
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals)from $637/mo
- UHC Bronze Standard (No Referrals)from $594/mo
- UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)from $821/mo
- UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals)from $837/mo
- UHC Silver Standard (No Referrals)from $801/mo
- UHC Silver Standard+ (Dental + Vision, No Referrals)from $817/mo
Frequently asked questions about UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)
How much does UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) cost per month?
UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) from UnitedHealthcare starts at $827 per month before any subsidy in Nebraska. 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 Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)?
The individual medical deductible is $1,750, and the family deductible is $3,500. 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 Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)?
The most you would pay in a year for covered in-network care is $8,200 for an individual and $16,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) HSA-eligible?
No. UHC Gold Value ($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 Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) use?
UHC Gold Value ($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.