Blue Standardized Statewide Silver EPO
Silver · EPO · Blue Cross and Blue Shield of Alabama · Alabama
At age 40 it costs between $597.95 and $686.28 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 | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
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 | 46944AL0780001 |
|---|---|
| Insurer | Blue Cross and Blue Shield of Alabama |
| Metal level | Silver |
| Plan type | EPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay 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 | $467.88 | $531.04 | $597.95 | $835.63 | $1,269.82 |
| Hale County | $467.88 | $531.04 | $597.95 | $835.63 | $1,269.82 |
| Tuscaloosa County | $467.88 | $531.04 | $597.95 | $835.63 | $1,269.82 |
| Calhoun County | $489.15 | $555.18 | $625.13 | $873.61 | $1,327.54 |
| Etowah County | $489.15 | $555.18 | $625.13 | $873.61 | $1,327.54 |
| Geneva County | $491.80 | $558.20 | $628.53 | $878.36 | $1,334.76 |
| Henry County | $491.80 | $558.20 | $628.53 | $878.36 | $1,334.76 |
| Houston County | $491.80 | $558.20 | $628.53 | $878.36 | $1,334.76 |
| Autauga County | $497.12 | $564.23 | $635.32 | $887.86 | $1,349.19 |
| Elmore County | $497.12 | $564.23 | $635.32 | $887.86 | $1,349.19 |
| Lowndes County | $497.12 | $564.23 | $635.32 | $887.86 | $1,349.19 |
| Montgomery County | $497.12 | $564.23 | $635.32 | $887.86 | $1,349.19 |
| Mobile County | $507.75 | $576.30 | $648.91 | $906.85 | $1,378.05 |
| Baldwin County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Barbour County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Bullock County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Butler County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Chambers County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Cherokee County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Choctaw County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Clarke County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Clay County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Cleburne County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Coffee County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Colbert County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Conecuh County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Coosa County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Covington County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Crenshaw County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Cullman County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Dale County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Dallas County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| De Kalb County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Escambia County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Fayette County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Franklin County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Jackson County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Lamar County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Lauderdale County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Lawrence County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Macon County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Marengo County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Marion County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Marshall County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Monroe County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Morgan County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Perry County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Pickens County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Pike County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Randolph County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Sumter County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Talladega County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Tallapoosa County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Washington County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Wilcox County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Winston County | $513.07 | $582.34 | $655.70 | $916.35 | $1,392.48 |
| Bibb County | $531.68 | $603.46 | $679.49 | $949.58 | $1,442.98 |
| Blount County | $531.68 | $603.46 | $679.49 | $949.58 | $1,442.98 |
| Chilton County | $531.68 | $603.46 | $679.49 | $949.58 | $1,442.98 |
| Jefferson County | $531.68 | $603.46 | $679.49 | $949.58 | $1,442.98 |
| Saint Clair County | $531.68 | $603.46 | $679.49 | $949.58 | $1,442.98 |
| Shelby County | $531.68 | $603.46 | $679.49 | $949.58 | $1,442.98 |
| Walker County | $531.68 | $603.46 | $679.49 | $949.58 | $1,442.98 |
| Limestone County | $534.34 | $606.47 | $682.88 | $954.33 | $1,450.19 |
| Madison County | $534.34 | $606.47 | $682.88 | $954.33 | $1,450.19 |
| Lee County | $537 | $609.49 | $686.28 | $959.08 | $1,457.41 |
| Russell County | $537 | $609.49 | $686.28 | $959.08 | $1,457.41 |
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.