Standard Silver + Vision + Adult Dental
Silver · EPO · Ambetter of Alabama · Alabama
At age 40 it costs between $659.49 and $751.35 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 | 53932AL0110017 |
|---|---|
| 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 | Yes |
| Child dental included | No |
| Share of premium buying essential health benefits | 96.09% |
| 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 | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Barbour County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Bullock County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Chambers County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Choctaw County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Cleburne County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Coffee County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Covington County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Cullman County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Dallas County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| De Kalb County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Escambia County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Franklin County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Jackson County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Marion County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Marshall County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Perry County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Pickens County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Randolph County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Sumter County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Talladega County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Washington County | $516.04 | $585.70 | $659.49 | $921.64 | $1,400.51 |
| Geneva County | $517.06 | $586.85 | $660.79 | $923.45 | $1,403.28 |
| Henry County | $517.06 | $586.85 | $660.79 | $923.45 | $1,403.28 |
| Houston County | $517.06 | $586.85 | $660.79 | $923.45 | $1,403.28 |
| Mobile County | $517.97 | $587.89 | $661.96 | $925.08 | $1,405.75 |
| Colbert County | $552.98 | $627.62 | $706.69 | $987.60 | $1,500.75 |
| Lauderdale County | $552.98 | $627.62 | $706.69 | $987.60 | $1,500.75 |
| Lowndes County | $553.94 | $628.71 | $707.92 | $989.32 | $1,503.37 |
| Montgomery County | $553.94 | $628.71 | $707.92 | $989.32 | $1,503.37 |
| Jefferson County | $554.91 | $629.81 | $709.16 | $991.04 | $1,505.99 |
| Shelby County | $554.91 | $629.81 | $709.16 | $991.04 | $1,505.99 |
| Walker County | $554.91 | $629.81 | $709.16 | $991.04 | $1,505.99 |
| Lawrence County | $570.02 | $646.96 | $728.47 | $1,018.04 | $1,547.01 |
| Morgan County | $570.02 | $646.96 | $728.47 | $1,018.04 | $1,547.01 |
| Lee County | $570.88 | $647.94 | $729.57 | $1,019.57 | $1,549.34 |
| Limestone County | $577.53 | $655.48 | $738.06 | $1,031.44 | $1,567.38 |
| Madison County | $577.53 | $655.48 | $738.06 | $1,031.44 | $1,567.38 |
| Russell County | $579.40 | $657.61 | $740.46 | $1,034.79 | $1,572.47 |
| Etowah County | $587.92 | $667.28 | $751.35 | $1,050.02 | $1,595.60 |
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.