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UnitedHealthcare

UHC Silver Standard (Virtual Urgent Care, $0 Insulin, No Referrals)

Monthly premium, age 40 From $842 Up to $1,003 by area · before subsidies Prices by age
Find a doctor in this plan Summary of Benefits (PDF)
Plan ID69842LA0240017
Plan year2027Sold on HealthCare.gov
Plan typeEPONo referral needed
Metal levelSilverNot HSA-eligible
Sold in48 countiesof 64 in Louisiana
Deductible$6,400$12,800 family
Out-of-pocket max$10,300$20,600 family
Primary care visit$40in network
Generic drugs$20per prescription

11,273 Louisiana doctors and facilities in this plan's network · Directory updated Nov 4, 2026 · Premiums are full prices before subsidies (premium tax credits). NPI Profile does not sell insurance; HealthCare.gov lists premiums and handles enrollment.

Find a doctor in this plan

Where do you want to see a doctor?

Monthly premium by age, before subsidies

The full monthly price for 2027, before premium tax credits. The price depends on where you live: this plan has 7 price regions (rating areas) in Louisiana, so each row shows the lowest and highest.

AgeMonthly premiumTobacco user
Child (0 to 14)$504 to $600Same
Age 21$659 to $784$692 to $824
Age 27$690 to $822$725 to $863
Age 30$748 to $890$822 to $979
Age 40$842 to $1,003$926 to $1,103
Age 50$1,176 to $1,401$1,412 to $1,681
Age 60$1,788 to $2,129$2,145 to $2,555
64 and older$1,976 to $2,353$2,371 to $2,824

Most people who enroll through HealthCare.gov qualify for a subsidy (premium tax credit) based on household income, which lowers the monthly price. HealthCare.gov shows your price after any subsidy. NPI Profile does not sell this plan.

What you pay with this plan

In-network costs for one person, from the CMS plan files for 2027. "After deductible" means you pay the full cost until you reach the $6,400 deductible.

Doctor visits

Primary care visit
$40
Specialist visit
$80
Nurse practitioner or PA visit
40% after deductible
Preventive care and vaccines
Free
Urgent care
$60

Prescription drugs

Generic drugsLimit: 30 days a month
$20
Preferred brand drugsLimit: 30 days a month
$40
Non-preferred brand drugsLimit: 30 days a month
$80 after deductible
Specialty drugsLimit: 30 days a month
$125 after deductible

Tests and imaging

Lab work
40% after deductible
X-rays
40% after deductible
MRI, CT and PET scans
40% after deductible

Emergencies and hospital

Emergency room
40% after deductible
Ambulance
40% after deductible
Hospital stay
40% after deductible
Outpatient surgery (facility)
40% after deductible

Mental health

Therapy and counseling visits
$40
Inpatient mental health care
40% after deductible

Pregnancy

Prenatal and postnatal care
Free
Delivery and hospital stay
40% after deductible

Other care

Physical and occupational therapy
$40
Chiropractic care
40% after deductible
Eye exam for childrenLimit: 1 exam a year
Free
Glasses for childrenLimit: 1 item a year
40% after deductible
Adult dental
Not covered
$8,360Having a baby (CMS example)
$600Managing type 2 diabetes for a year
$2,500A simple fracture
Every service in the plan file (67)
ServiceYou payLimits and notes
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental40% after deductible
AcupunctureNot covered
Allergy Testing40% after deductible
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Basic Dental Care - Child40% after deductible
Chemotherapy40% after deductible
Chiropractic Care40% after deductible
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care40% after deductible
Dental Check-Up for ChildrenFree2 exams a year
Diabetes Education40% after deductible
Dialysis40% after deductible
Durable Medical Equipment40% after deductible
Emergency Room Services40% after deductible
Emergency Transportation/Ambulance40% after deductible
Eye Glasses for Children40% after deductible1 item a year
Generic Drugs$2030 days a month
Habilitation Services$40
Hearing Aids40% after deductible1 item every 3 years
Home Health Care Services40% after deductible
Hospice Services40% after deductible
Imaging (CT/PET Scans, MRIs)40% after deductible
Infertility TreatmentNot covered
Infusion Therapy40% after deductible
Inpatient Hospital Services (e.g., Hospital Stay)40% after deductible
Inpatient Physician and Surgical Services40% after deductible
Laboratory Outpatient and Professional Services40% after deductible
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - Child40% after deductible
Mental/Behavioral Health Inpatient Services40% after deductible
Mental/Behavioral Health Outpatient Services$40
Non-Preferred Brand Drugs$80 after deductible30 days a month
Nutritional Counseling40% after deductible
Orthodontia - AdultNot covered
Orthodontia - Child50% after deductible
Other Practitioner Office Visit (Nurse, Physician Assistant)40% after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)40% after deductible
Outpatient Rehabilitation Services$40
Outpatient Surgery Physician/Surgical Services40% after deductible
Preferred Brand Drugs$4030 days a month
Prenatal and Postnatal CareFree
Preventive Care/Screening/ImmunizationFree
Primary Care Visit to Treat an Injury or Illness$40
Private-Duty Nursing40% after deductible19 visits a year Inpatient Private Duty Nursing Service is not covered.
Prosthetic Devices40% after deductible
Radiation40% after deductible
Reconstructive Surgery40% after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy$40
Rehabilitative Speech Therapy$40
Routine Dental Services (Adult)Not covered
Routine Eye Exam (Adult)Not covered
Routine Eye Exam for ChildrenFree1 exam a year
Routine Foot CareNot covered
Skilled Nursing Facility40% after deductible
Specialist Visit$80
Specialty Drugs$125 after deductible30 days a month
Substance Abuse Disorder Inpatient Services40% after deductible
Substance Abuse Disorder Outpatient Services$40
Transplant40% after deductible
Treatment for Temporomandibular Joint DisordersNot covered
Urgent Care Centers or Facilities$60
Weight Loss ProgramsNot covered
Well Baby Visits and CareFree
X-rays and Diagnostic Imaging40% after deductible

How this plan works

EPO: Only doctors and hospitals in the network are covered, except emergencies. Referrals are usually not needed.

Referral for specialists
Not required
Coinsurance
40% after the deductible
Works with an HSA
No
Network
Individual Exchange Benefit Plan Network (LAN011)
Sold in
48 Louisiana counties

Summary of Benefits and Coverage (PDF) Plan brochure Covered drugs (formulary)

Other UnitedHealthcare plans on the same network

The same doctors and hospitals, with different costs.

UnitedHealthcare

UHC Bronze Essential

BronzeEPOHSA
Premium, age 40$610to $727 a month
Deductible$11,750$23,500 family
Out-of-pocket max$11,750$23,500 family
Having a baby$11,260CMS example
$0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals
Plan ID 69842LA0240026Sold in 48 Louisiana countiesNo coinsuranceNo referral neededDetails
UnitedHealthcare

UHC Bronze Standard

Expanded BronzeEPOHSA
Premium, age 40$624to $743 a month
Deductible$7,500$15,000 family
Out-of-pocket max$12,000$24,000 family
Having a baby$9,360CMS example
Virtual UC, HSA, $0 Insulin, No Referrals
Plan ID 69842LA0240018Sold in 48 Louisiana counties50% coinsuranceNo referral neededDetails
UnitedHealthcare

UHC Bronze Standard+

Expanded BronzeEPOHSA
Premium, age 40$639to $761 a month
Deductible$7,500$15,000 family
Out-of-pocket max$12,000$24,000 family
Having a baby$9,360CMS example
Virtual UC, HSA, $0 Insulin, Dental + Vision, No Referrals
Plan ID 69842LA0250006Sold in 48 Louisiana counties50% coinsuranceNo referral neededDetails
UnitedHealthcare

UHC Bronze Copay Focus $0 Indiv Med Ded

Expanded BronzeEPOHSA
Premium, age 40$665to $792 a month
Deductible$0$0 family
Out-of-pocket max$11,400$22,800 family
Having a baby$3,660CMS example
$0 Virtual UC, HSA, $0 Insulin, No Referrals
Plan ID 69842LA0240024Sold in 48 Louisiana counties50% coinsuranceNo referral neededDetails
UnitedHealthcare

UHC Bronze Copay Focus+ $0 Indiv Med Ded

Expanded BronzeEPOHSA
Premium, age 40$679to $809 a month
Deductible$0$0 family
Out-of-pocket max$11,400$22,800 family
Having a baby$3,660CMS example
$0 Virtual UC, HSA, $0 Insulin, Dental + Vision, No Referrals
Plan ID 69842LA0250007Sold in 48 Louisiana counties50% coinsuranceNo referral neededDetails

Compare all 105 Louisiana plans

Questions about UHC Silver Standard (Virtual Urgent Care, $0 Insulin, No Referrals)

Does UHC Silver Standard (Virtual Urgent Care, $0 Insulin, No Referrals) cover my doctor?
Use "Find a doctor in this plan" on this page: choose the city, then the kind of doctor. The list shows providers UnitedHealthcare lists in this plan's network for 2027. Directories can be out of date, so call the office to confirm before your visit.
What kind of plan is UHC Silver Standard (Virtual Urgent Care, $0 Insulin, No Referrals)?
It is an EPO plan: only doctors and hospitals in the network are covered, except emergencies. Referrals are usually not needed. It is a Silver plan.
How much is a doctor visit with UHC Silver Standard (Virtual Urgent Care, $0 Insulin, No Referrals)?
A primary care visit costs $40. A specialist visit costs $80. These are in-network costs for one person. "After deductible" means you pay the full cost until you reach the $6,400 deductible.
Where is UHC Silver Standard (Virtual Urgent Care, $0 Insulin, No Referrals) sold?
It is sold to people who live in 48 Louisiana counties, through HealthCare.gov. UnitedHealthcare's directory can also list providers outside these counties, such as pharmacies and specialists, but the plan itself is only for people who live in its area.
How much does UHC Silver Standard (Virtual Urgent Care, $0 Insulin, No Referrals) cost a month?
Before subsidies (premium tax credits), UHC Silver Standard (Virtual Urgent Care, $0 Insulin, No Referrals) costs $842 to $1,003 a month for a 40-year-old in 2027, depending on where in Louisiana you live. A 21-year-old pays $659 to $784 and someone 64 or older $1,976 to $2,353. Tobacco users pay more. Most people who enroll through HealthCare.gov qualify for a subsidy (premium tax credit) that lowers the monthly price, and HealthCare.gov shows your price after any subsidy.

About this data

These pages combine public files from CMS and from insurers. NPI Profile does not contract with insurers and does not decide who is in network.

SourceWhat it provides hereSource date
CMS Marketplace public use files (Plan Attributes, Benefits and Cost Sharing, Rate, Service Area)This plan's premiums, costs, covered services, coverage examples and the counties where it is soldPlan year 2027
UnitedHealthcare's provider directoryThe doctors and facilities listed in this plan's network. Only providers with an address in Louisiana are counted.Updated November 4, 2026
NPPES NPI registryProvider names, practice addresses and primary specialtiesMatched November 10, 2026
  • Costs are for the standard version of the plan, for one person, in network. People who qualify for cost-sharing reductions pay less.
  • Premiums are the full monthly price before subsidies (premium tax credits). They depend on age, tobacco use and where you live (the plan's rating area). HealthCare.gov shows your price after any subsidy.
  • Confirm costs in the plan documents and with the insurer, and confirm with the doctor's office that they take this plan.