Elite Gold
Gold · EPO · Ambetter of Alabama · Alabama
At age 40 it costs between $761.17 and $867.20 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 | 53932AL0100016 |
|---|---|
| Insurer | Ambetter of Alabama |
| Metal level | Gold |
| Plan type | EPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $6,500 |
| Family maximum | $13,000 |
| Primary care visit | $5 |
| Specialist visit | $60 |
| Emergency room | 30% |
| Inpatient stay | 30% |
| Generic drugs | $3 |
| Preferred brand drugs | $50 |
| Specialty drugs | 50% |
| 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 | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Barbour County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Bullock County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Chambers County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Choctaw County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Cleburne County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Coffee County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Covington County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Cullman County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Dallas County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| De Kalb County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Escambia County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Franklin County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Jackson County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Marion County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Marshall County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Perry County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Pickens County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Randolph County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Sumter County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Talladega County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Washington County | $595.61 | $676 | $761.17 | $1,063.74 | $1,616.45 |
| Geneva County | $596.78 | $677.34 | $762.68 | $1,065.84 | $1,619.64 |
| Henry County | $596.78 | $677.34 | $762.68 | $1,065.84 | $1,619.64 |
| Houston County | $596.78 | $677.34 | $762.68 | $1,065.84 | $1,619.64 |
| Mobile County | $597.83 | $678.53 | $764.02 | $1,067.72 | $1,622.50 |
| Colbert County | $638.23 | $724.38 | $815.65 | $1,139.87 | $1,732.14 |
| Lauderdale County | $638.23 | $724.38 | $815.65 | $1,139.87 | $1,732.14 |
| Lowndes County | $639.35 | $725.65 | $817.07 | $1,141.86 | $1,735.16 |
| Montgomery County | $639.35 | $725.65 | $817.07 | $1,141.86 | $1,735.16 |
| Jefferson County | $640.46 | $726.91 | $818.50 | $1,143.85 | $1,738.19 |
| Shelby County | $640.46 | $726.91 | $818.50 | $1,143.85 | $1,738.19 |
| Walker County | $640.46 | $726.91 | $818.50 | $1,143.85 | $1,738.19 |
| Lawrence County | $657.91 | $746.71 | $840.79 | $1,175.01 | $1,785.54 |
| Morgan County | $657.91 | $746.71 | $840.79 | $1,175.01 | $1,785.54 |
| Lee County | $658.90 | $747.84 | $842.06 | $1,176.77 | $1,788.22 |
| Limestone County | $666.57 | $756.55 | $851.86 | $1,190.48 | $1,809.04 |
| Madison County | $666.57 | $756.55 | $851.86 | $1,190.48 | $1,809.04 |
| Russell County | $668.73 | $759 | $854.63 | $1,194.34 | $1,814.92 |
| Etowah County | $678.57 | $770.17 | $867.20 | $1,211.91 | $1,841.62 |
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.