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Expanded_bronzeHMOHSA Eligible

UHC Bronze Standard (No Referrals)

UnitedHealthcare

Starting at

$604

/month before subsidy

Key facts

UHC Bronze Standard (No Referrals) is a 2026 Expanded_bronze HMO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in Mississippi under plan ID 97560MS0030025. The monthly premium starts at $604 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $7,500 ($15,000 for a family), and the individual out-of-pocket maximum is $10,000 ($20,000 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID
97560MS0030025
Plan year
2026
State
Mississippi
Metal level
Expanded_bronze
Plan type
HMO
HSA-eligible
Yes

Individual Deductible

$7,500

Family: $15,000

Out-of-Pocket Max

$10,000

Family: $20,000

Coinsurance

50%

You pay after deductible

Network Type

HMO

MSN011

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care Visit$50.00
Specialist Visit$100.00
Urgent Care$75.00
Emergency Room50.00% Coinsurance after deductible

Prescription Drugs

Generic Drugs$25.00
Brand Name Drugs$100.00 Copay after deductible
Specialty Drugs$500.00 Copay after deductible
CMS Quality Rating
The federal government's star rating for this plan, based on clinical data and member surveys — the same rating shown on HealthCare.gov.
2.0overall
Medical care

How well doctors manage and coordinate care

Member experience
Not rated

Member-survey satisfaction with the plan

Plan administration

Customer service, billing, and access to information

What you'd typically pay
Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$9,360

your estimated cost

Deductible
$7,500
Copays
$0
Coinsurance
$1,800

Managing type 2 diabetes

A year of routine care

$700

your estimated cost

Deductible
$300
Copays
$400
Coinsurance
$0

A simple fracture

ER visit + follow-up

$2,600

your estimated cost

Deductible
$2,200
Copays
$400
Coinsurance
$0
Is your medication or doctor covered?
Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.
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Official Plan Documents
Published by UnitedHealthcare. These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

Review the plan details above to determine if this plan fits your healthcare needs and budget.

This summary is generated based on plan attributes for educational purposes only.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,437/month

Annual Premium

$7,248

OOP Maximum

$10,000

💡 What this means:

With a $7,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,000 total. Then insurance covers everything else for the year.

More plans from UnitedHealthcare in Mississippi

View all Marketplace plans in Mississippi

Frequently asked questions about UHC Bronze Standard (No Referrals)

How much does UHC Bronze Standard (No Referrals) cost per month?

UHC Bronze Standard (No Referrals) from UnitedHealthcare starts at $604 per month before any subsidy in Mississippi. 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 Bronze Standard (No Referrals)?

The individual medical deductible is $7,500, and the family deductible is $15,000. 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 Bronze Standard (No Referrals)?

The most you would pay in a year for covered in-network care is $10,000 for an individual and $20,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is UHC Bronze Standard (No Referrals) HSA-eligible?

Yes. UHC Bronze Standard (No Referrals) is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.

What type of network does UHC Bronze Standard (No Referrals) use?

UHC Bronze Standard (No Referrals) 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

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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.