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UnitedHealthcare

UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals)

Monthly premium, age 40 From $610 Up to $727 by area · before subsidies Prices by age
Find a doctor in this plan Summary of Benefits (PDF)
Plan ID69842LA0240026
Plan year2027Sold on HealthCare.gov
Plan typeEPONo referral needed
Metal levelBronzeWorks with an HSA
Sold in48 countiesof 64 in Louisiana
Deductible$11,750$23,500 family
Out-of-pocket max$11,750$23,500 family
Primary care visitFree after deductiblein network
Generic drugsFree after deductibleper 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)$365 to $435Same
Age 21$478 to $569$501 to $597
Age 27$500 to $596$526 to $626
Age 30$542 to $646$596 to $710
Age 40$610 to $727$671 to $800
Age 50$853 to $1,016$1,023 to $1,219
Age 60$1,296 to $1,544$1,555 to $1,852
64 and older$1,433 to $1,706$1,719 to $2,048

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 $11,750 deductible.

Doctor visits

Primary care visit
Free after deductible
Specialist visit
Free after deductible
Nurse practitioner or PA visit
Free after deductible
Preventive care and vaccines
Free
Urgent care
Free after deductible

Prescription drugs

Generic drugsLimit: 30 days a month
Free after deductible
Preferred brand drugsLimit: 30 days a month
Free after deductible
Non-preferred brand drugsLimit: 30 days a month
Free after deductible
Specialty drugsLimit: 30 days a month
Free after deductible

Tests and imaging

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

Emergencies and hospital

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

Mental health

Therapy and counseling visits
Free after deductible
Inpatient mental health care
Free after deductible

Pregnancy

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

Other care

Physical and occupational therapy
Free after deductible
Chiropractic care
Free after deductible
Eye exam for childrenLimit: 1 exam a year
Free
Glasses for childrenLimit: 1 item a year
Free after deductible
Adult dental
Not covered
$11,260Having a baby (CMS example)
$1,100Managing type 2 diabetes for a year
$2,800A simple fracture
Every service in the plan file (67)
ServiceYou payLimits and notes
Abortion for Which Public Funding is ProhibitedNot covered
Accidental DentalFree after deductible
AcupunctureNot covered
Allergy TestingFree after deductible
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Basic Dental Care - ChildFree after deductible
ChemotherapyFree after deductible
Chiropractic CareFree after deductible
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity CareFree after deductible
Dental Check-Up for ChildrenFree2 exams a year
Diabetes EducationFree after deductible
DialysisFree after deductible
Durable Medical EquipmentFree after deductible
Emergency Room ServicesFree after deductible
Emergency Transportation/AmbulanceFree after deductible
Eye Glasses for ChildrenFree after deductible1 item a year
Generic DrugsFree after deductible30 days a month
Habilitation ServicesFree after deductible
Hearing AidsFree after deductible1 item every 3 years
Home Health Care ServicesFree after deductible
Hospice ServicesFree after deductible
Imaging (CT/PET Scans, MRIs)Free after deductible
Infertility TreatmentNot covered
Infusion TherapyFree after deductible
Inpatient Hospital Services (e.g., Hospital Stay)Free after deductible
Inpatient Physician and Surgical ServicesFree after deductible
Laboratory Outpatient and Professional ServicesFree after deductible
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - ChildFree after deductible
Mental/Behavioral Health Inpatient ServicesFree after deductible
Mental/Behavioral Health Outpatient ServicesFree after deductible
Non-Preferred Brand DrugsFree after deductible30 days a month
Nutritional CounselingFree after deductible
Orthodontia - AdultNot covered
Orthodontia - Child50% after deductible
Other Practitioner Office Visit (Nurse, Physician Assistant)Free after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)Free after deductible
Outpatient Rehabilitation ServicesFree after deductible
Outpatient Surgery Physician/Surgical ServicesFree after deductible
Preferred Brand DrugsFree after deductible30 days a month
Prenatal and Postnatal CareFree
Preventive Care/Screening/ImmunizationFree
Primary Care Visit to Treat an Injury or IllnessFree after deductible
Private-Duty NursingFree after deductible19 visits a year Inpatient Private Duty Nursing Service is not covered.
Prosthetic DevicesFree after deductible
RadiationFree after deductible
Reconstructive SurgeryFree after deductible
Rehabilitative Occupational and Rehabilitative Physical TherapyFree after deductible
Rehabilitative Speech TherapyFree after deductible
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 FacilityFree after deductible
Specialist VisitFree after deductible
Specialty DrugsFree after deductible30 days a month
Substance Abuse Disorder Inpatient ServicesFree after deductible
Substance Abuse Disorder Outpatient ServicesFree after deductible
TransplantFree after deductible
Treatment for Temporomandibular Joint DisordersNot covered
Urgent Care Centers or FacilitiesFree after deductible
Weight Loss ProgramsNot covered
Well Baby Visits and CareFree
X-rays and Diagnostic ImagingFree 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
None after the deductible
Works with an HSA
Yes
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 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
UnitedHealthcare

UHC Silver Value

SilverEPO
Premium, age 40$837to $996 a month
Deductible$4,000$8,000 family
Out-of-pocket max$12,000$24,000 family
Having a baby$6,660CMS example
$0 Virtual Urgent Care, $0 Insulin, No Referrals
Plan ID 69842LA0240014Sold in 48 Louisiana counties40% coinsuranceNo referral neededDetails

Compare all 105 Louisiana plans

Questions about UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals)

Does UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $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 Bronze Essential ($0 Virtual Urgent Care, HSA, $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 Bronze plan and works with a health savings account (HSA).
How much is a doctor visit with UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals)?
A primary care visit costs Free after deductible. A specialist visit costs Free after deductible. These are in-network costs for one person. "After deductible" means you pay the full cost until you reach the $11,750 deductible.
Where is UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $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 Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) cost a month?
Before subsidies (premium tax credits), UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) costs $610 to $727 a month for a 40-year-old in 2027, depending on where in Louisiana you live. A 21-year-old pays $478 to $569 and someone 64 or older $1,433 to $1,706. 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.