Standard Silver
Silver · EPO · Ambetter of Alabama · Alabama
At age 40 it costs between $633.72 and $722 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 | 53932AL0100012 |
|---|---|
| Insurer | Ambetter 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 | 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 | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Barbour County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Bullock County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Chambers County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Choctaw County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Cleburne County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Coffee County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Covington County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Cullman County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Dallas County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| De Kalb County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Escambia County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Franklin County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Jackson County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Marion County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Marshall County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Perry County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Pickens County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Randolph County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Sumter County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Talladega County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Washington County | $495.88 | $562.81 | $633.72 | $885.63 | $1,345.79 |
| Geneva County | $496.86 | $563.92 | $634.97 | $887.37 | $1,348.45 |
| Henry County | $496.86 | $563.92 | $634.97 | $887.37 | $1,348.45 |
| Houston County | $496.86 | $563.92 | $634.97 | $887.37 | $1,348.45 |
| Mobile County | $497.74 | $564.92 | $636.09 | $888.94 | $1,350.83 |
| Colbert County | $531.37 | $603.09 | $679.08 | $949.01 | $1,442.11 |
| Lauderdale County | $531.37 | $603.09 | $679.08 | $949.01 | $1,442.11 |
| Lowndes County | $532.30 | $604.15 | $680.26 | $950.67 | $1,444.63 |
| Montgomery County | $532.30 | $604.15 | $680.26 | $950.67 | $1,444.63 |
| Jefferson County | $533.22 | $605.20 | $681.45 | $952.32 | $1,447.14 |
| Shelby County | $533.22 | $605.20 | $681.45 | $952.32 | $1,447.14 |
| Walker County | $533.22 | $605.20 | $681.45 | $952.32 | $1,447.14 |
| Lawrence County | $547.75 | $621.68 | $700.01 | $978.26 | $1,486.57 |
| Morgan County | $547.75 | $621.68 | $700.01 | $978.26 | $1,486.57 |
| Lee County | $548.57 | $622.62 | $701.06 | $979.74 | $1,488.80 |
| Limestone County | $554.96 | $629.87 | $709.23 | $991.14 | $1,506.14 |
| Madison County | $554.96 | $629.87 | $709.23 | $991.14 | $1,506.14 |
| Russell County | $556.76 | $631.92 | $711.53 | $994.36 | $1,511.03 |
| Etowah County | $564.95 | $641.21 | $722 | $1,008.99 | $1,533.26 |
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.