Focused Silver
Silver · EPO · Ambetter of Alabama · Alabama
At age 40 it costs between $641.05 and $730.34 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 | $6,300 | $8,400 | $40 | $3 |
| up to 150% of the federal poverty level | $0 | $1,500 | No Charge | No Charge |
| 150% to 200% | $0 | $3,350 | $20 | $3 |
| 200% to 250% | $5,150 | $7,200 | $35 | $3 |
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 | 53932AL0100005 |
|---|---|
| Insurer | Ambetter of Alabama |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $6,300 |
| Deductible (family) | $12,600 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,400 |
| Family maximum | $16,800 |
| Primary care visit | $40 |
| Specialist visit | $85 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $75 |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| 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 | 1-800-442-1623 · TTY 1-800-442-1623 |
Where it is sold, and what it costs there
40 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 |
|---|---|---|---|---|---|
| Baldwin County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Barbour County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Bullock County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Chambers County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Choctaw County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Cleburne County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Coffee County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Covington County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Cullman County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Dallas County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| De Kalb County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Escambia County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Franklin County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Jackson County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Marion County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Marshall County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Perry County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Pickens County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Randolph County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Sumter County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Talladega County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Washington County | $501.61 | $569.32 | $641.05 | $895.86 | $1,361.35 |
| Geneva County | $502.60 | $570.44 | $642.31 | $897.63 | $1,364.04 |
| Henry County | $502.60 | $570.44 | $642.31 | $897.63 | $1,364.04 |
| Houston County | $502.60 | $570.44 | $642.31 | $897.63 | $1,364.04 |
| Mobile County | $503.49 | $571.45 | $643.45 | $899.21 | $1,366.44 |
| Colbert County | $537.51 | $610.07 | $686.93 | $959.98 | $1,458.78 |
| Lauderdale County | $537.51 | $610.07 | $686.93 | $959.98 | $1,458.78 |
| Lowndes County | $538.45 | $611.13 | $688.13 | $961.65 | $1,461.33 |
| Montgomery County | $538.45 | $611.13 | $688.13 | $961.65 | $1,461.33 |
| Jefferson County | $539.39 | $612.19 | $689.33 | $963.33 | $1,463.87 |
| Shelby County | $539.39 | $612.19 | $689.33 | $963.33 | $1,463.87 |
| Walker County | $539.39 | $612.19 | $689.33 | $963.33 | $1,463.87 |
| Lawrence County | $554.08 | $628.87 | $708.10 | $989.57 | $1,503.75 |
| Morgan County | $554.08 | $628.87 | $708.10 | $989.57 | $1,503.75 |
| Lee County | $554.92 | $629.82 | $709.17 | $991.06 | $1,506.01 |
| Limestone County | $561.38 | $637.15 | $717.43 | $1,002.60 | $1,523.55 |
| Madison County | $561.38 | $637.15 | $717.43 | $1,002.60 | $1,523.55 |
| Russell County | $563.20 | $639.22 | $719.76 | $1,005.86 | $1,528.50 |
| Etowah County | $571.48 | $648.62 | $730.34 | $1,020.65 | $1,550.98 |
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.