Blue Value Silver
Silver · PPO · Blue Cross and Blue Shield of Alabama · Alabama
At age 40 it costs between $669.72 and $768.66 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $3,700 | $10,600 | $10 | $5 |
| up to 150% of the federal poverty level | $0 | $1,150 | $10 | $3 |
| 150% to 200% | $400 | $2,675 | $10 | $5 |
| 200% to 250% | $3,700 | $8,000 | $10 | $5 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 46944AL0410001 |
|---|---|
| Insurer | Blue Cross and Blue Shield of Alabama |
| Metal level | Silver |
| Plan type | PPO |
| Deductible (individual) | $3,700 |
| Deductible (family) | $7,400 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $10 |
| Specialist visit | $75 |
| Emergency room | $700 |
| Inpatient stay | 20% |
| Generic drugs | $5 |
| Preferred brand drugs | $85 |
| Specialty drugs | 25% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-855-350-7437 |
Where it is sold, and what it costs there
67 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Greene County | $524.04 | $594.79 | $669.72 | $935.94 | $1,422.24 |
| Hale County | $524.04 | $594.79 | $669.72 | $935.94 | $1,422.24 |
| Tuscaloosa County | $524.04 | $594.79 | $669.72 | $935.94 | $1,422.24 |
| Calhoun County | $547.86 | $621.82 | $700.17 | $978.48 | $1,486.89 |
| Etowah County | $547.86 | $621.82 | $700.17 | $978.48 | $1,486.89 |
| Geneva County | $550.84 | $625.20 | $703.97 | $983.80 | $1,494.97 |
| Henry County | $550.84 | $625.20 | $703.97 | $983.80 | $1,494.97 |
| Houston County | $550.84 | $625.20 | $703.97 | $983.80 | $1,494.97 |
| Autauga County | $556.79 | $631.96 | $711.58 | $994.43 | $1,511.13 |
| Elmore County | $556.79 | $631.96 | $711.58 | $994.43 | $1,511.13 |
| Lowndes County | $556.79 | $631.96 | $711.58 | $994.43 | $1,511.13 |
| Montgomery County | $556.79 | $631.96 | $711.58 | $994.43 | $1,511.13 |
| Mobile County | $568.70 | $645.48 | $726.80 | $1,015.70 | $1,543.46 |
| Baldwin County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Barbour County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Bullock County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Butler County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Chambers County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Cherokee County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Choctaw County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Clarke County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Clay County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Cleburne County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Coffee County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Colbert County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Conecuh County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Coosa County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Covington County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Crenshaw County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Cullman County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Dale County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Dallas County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| De Kalb County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Escambia County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Fayette County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Franklin County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Jackson County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Lamar County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Lauderdale County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Lawrence County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Macon County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Marengo County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Marion County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Marshall County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Monroe County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Morgan County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Perry County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Pickens County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Pike County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Randolph County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Sumter County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Talladega County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Tallapoosa County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Washington County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Wilcox County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Winston County | $574.66 | $652.24 | $734.41 | $1,026.34 | $1,559.62 |
| Bibb County | $595.50 | $675.89 | $761.05 | $1,063.56 | $1,616.19 |
| Blount County | $595.50 | $675.89 | $761.05 | $1,063.56 | $1,616.19 |
| Chilton County | $595.50 | $675.89 | $761.05 | $1,063.56 | $1,616.19 |
| Jefferson County | $595.50 | $675.89 | $761.05 | $1,063.56 | $1,616.19 |
| Saint Clair County | $595.50 | $675.89 | $761.05 | $1,063.56 | $1,616.19 |
| Shelby County | $595.50 | $675.89 | $761.05 | $1,063.56 | $1,616.19 |
| Walker County | $595.50 | $675.89 | $761.05 | $1,063.56 | $1,616.19 |
| Limestone County | $598.48 | $679.27 | $764.85 | $1,068.88 | $1,624.27 |
| Madison County | $598.48 | $679.27 | $764.85 | $1,068.88 | $1,624.27 |
| Lee County | $601.46 | $682.65 | $768.66 | $1,074.20 | $1,632.35 |
| Russell County | $601.46 | $682.65 | $768.66 | $1,074.20 | $1,632.35 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.