Standard Gold
Gold · EPO · Ambetter of Alabama · Alabama
At age 40 it costs between $660.89 and $752.95 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 | 53932AL0100013 |
|---|---|
| Insurer | Ambetter of Alabama |
| Metal level | Gold |
| Plan type | EPO |
| 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 | 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 | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Barbour County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Bullock County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Chambers County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Choctaw County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Cleburne County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Coffee County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Covington County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Cullman County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Dallas County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| De Kalb County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Escambia County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Franklin County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Jackson County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Marion County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Marshall County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Perry County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Pickens County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Randolph County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Sumter County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Talladega County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Washington County | $517.14 | $586.94 | $660.89 | $923.60 | $1,403.50 |
| Geneva County | $518.16 | $588.10 | $662.20 | $925.42 | $1,406.27 |
| Henry County | $518.16 | $588.10 | $662.20 | $925.42 | $1,406.27 |
| Houston County | $518.16 | $588.10 | $662.20 | $925.42 | $1,406.27 |
| Mobile County | $519.08 | $589.14 | $663.37 | $927.05 | $1,408.74 |
| Colbert County | $554.15 | $628.95 | $708.19 | $989.70 | $1,503.94 |
| Lauderdale County | $554.15 | $628.95 | $708.19 | $989.70 | $1,503.94 |
| Lowndes County | $555.12 | $630.05 | $709.43 | $991.43 | $1,506.57 |
| Montgomery County | $555.12 | $630.05 | $709.43 | $991.43 | $1,506.57 |
| Jefferson County | $556.09 | $631.15 | $710.67 | $993.15 | $1,509.19 |
| Shelby County | $556.09 | $631.15 | $710.67 | $993.15 | $1,509.19 |
| Walker County | $556.09 | $631.15 | $710.67 | $993.15 | $1,509.19 |
| Lawrence County | $571.23 | $648.34 | $730.03 | $1,020.21 | $1,550.30 |
| Morgan County | $571.23 | $648.34 | $730.03 | $1,020.21 | $1,550.30 |
| Lee County | $572.09 | $649.32 | $731.12 | $1,021.74 | $1,552.64 |
| Limestone County | $578.76 | $656.88 | $739.64 | $1,033.64 | $1,570.71 |
| Madison County | $578.76 | $656.88 | $739.64 | $1,033.64 | $1,570.71 |
| Russell County | $580.64 | $659.01 | $742.04 | $1,037 | $1,575.82 |
| Etowah County | $589.18 | $668.70 | $752.95 | $1,052.25 | $1,599 |
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.