Blue Standardized Gold
Gold · PPO · Blue Cross and Blue Shield of Alabama · Alabama
At age 40 it costs between $737.25 and $846.16 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 46944AL0720001 |
|---|---|
| Insurer | Blue Cross and Blue Shield of Alabama |
| Metal level | Gold |
| Plan type | PPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| 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 | $576.88 | $654.75 | $737.25 | $1,030.30 | $1,565.64 |
| Hale County | $576.88 | $654.75 | $737.25 | $1,030.30 | $1,565.64 |
| Tuscaloosa County | $576.88 | $654.75 | $737.25 | $1,030.30 | $1,565.64 |
| Calhoun County | $603.10 | $684.51 | $770.76 | $1,077.13 | $1,636.80 |
| Etowah County | $603.10 | $684.51 | $770.76 | $1,077.13 | $1,636.80 |
| Geneva County | $606.37 | $688.24 | $774.95 | $1,082.98 | $1,645.70 |
| Henry County | $606.37 | $688.24 | $774.95 | $1,082.98 | $1,645.70 |
| Houston County | $606.37 | $688.24 | $774.95 | $1,082.98 | $1,645.70 |
| Autauga County | $612.93 | $695.68 | $783.32 | $1,094.69 | $1,663.49 |
| Elmore County | $612.93 | $695.68 | $783.32 | $1,094.69 | $1,663.49 |
| Lowndes County | $612.93 | $695.68 | $783.32 | $1,094.69 | $1,663.49 |
| Montgomery County | $612.93 | $695.68 | $783.32 | $1,094.69 | $1,663.49 |
| Mobile County | $626.04 | $710.56 | $800.08 | $1,118.11 | $1,699.07 |
| Baldwin County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Barbour County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Bullock County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Butler County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Chambers County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Cherokee County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Choctaw County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Clarke County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Clay County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Cleburne County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Coffee County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Colbert County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Conecuh County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Coosa County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Covington County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Crenshaw County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Cullman County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Dale County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Dallas County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| De Kalb County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Escambia County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Fayette County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Franklin County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Jackson County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Lamar County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Lauderdale County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Lawrence County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Macon County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Marengo County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Marion County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Marshall County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Monroe County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Morgan County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Perry County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Pickens County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Pike County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Randolph County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Sumter County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Talladega County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Tallapoosa County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Washington County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Wilcox County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Winston County | $632.60 | $718 | $808.46 | $1,129.82 | $1,716.87 |
| Bibb County | $655.54 | $744.04 | $837.78 | $1,170.79 | $1,779.14 |
| Blount County | $655.54 | $744.04 | $837.78 | $1,170.79 | $1,779.14 |
| Chilton County | $655.54 | $744.04 | $837.78 | $1,170.79 | $1,779.14 |
| Jefferson County | $655.54 | $744.04 | $837.78 | $1,170.79 | $1,779.14 |
| Saint Clair County | $655.54 | $744.04 | $837.78 | $1,170.79 | $1,779.14 |
| Shelby County | $655.54 | $744.04 | $837.78 | $1,170.79 | $1,779.14 |
| Walker County | $655.54 | $744.04 | $837.78 | $1,170.79 | $1,779.14 |
| Limestone County | $658.82 | $747.76 | $841.97 | $1,176.65 | $1,788.03 |
| Madison County | $658.82 | $747.76 | $841.97 | $1,176.65 | $1,788.03 |
| Lee County | $662.10 | $751.48 | $846.16 | $1,182.50 | $1,796.93 |
| Russell County | $662.10 | $751.48 | $846.16 | $1,182.50 | $1,796.93 |
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.