UHC Silver Value ($0 Virtual Urgent Care, No Referrals)
Silver · EPO · UnitedHealthcare · Alabama
At age 40 it costs between $598.25 and $1,085.53 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 | $3,500 | $8,900 | $30 | $15 |
| up to 150% of the federal poverty level | $0 | $2,200 | $3 | $2 |
| 150% to 200% | $1,000 | $3,100 | $5 | $3 |
| 200% to 250% | $3,400 | $8,450 | $5 | $5 |
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 | 69461AL0110004 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $3,500 |
| Deductible (family) | $7,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $30 |
| Specialist visit | $100 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $100 Copay after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | Yes |
| 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 | 1-888-200-0327 · TTY 1-888-200-0327 |
Where it is sold, and what it costs there
56 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 |
|---|---|---|---|---|---|
| Calhoun County | $468.11 | $531.31 | $598.25 | $836.05 | $1,270.46 |
| Mobile County | $498.01 | $565.24 | $636.46 | $889.45 | $1,351.60 |
| Etowah County | $502.07 | $569.85 | $641.64 | $896.69 | $1,362.61 |
| Greene County | $506.49 | $574.86 | $647.29 | $904.58 | $1,374.60 |
| Hale County | $506.49 | $574.86 | $647.29 | $904.58 | $1,374.60 |
| Tuscaloosa County | $506.49 | $574.86 | $647.29 | $904.58 | $1,374.60 |
| Colbert County | $529.75 | $601.27 | $677.02 | $946.14 | $1,437.75 |
| Lauderdale County | $529.75 | $601.27 | $677.02 | $946.14 | $1,437.75 |
| Lawrence County | $537 | $609.50 | $686.29 | $959.08 | $1,457.42 |
| Morgan County | $537 | $609.50 | $686.29 | $959.08 | $1,457.42 |
| Geneva County | $541.50 | $614.60 | $692.03 | $967.11 | $1,469.62 |
| Henry County | $541.50 | $614.60 | $692.03 | $967.11 | $1,469.62 |
| Houston County | $541.50 | $614.60 | $692.03 | $967.11 | $1,469.62 |
| Bibb County | $563.51 | $639.58 | $720.16 | $1,006.42 | $1,529.36 |
| Blount County | $563.51 | $639.58 | $720.16 | $1,006.42 | $1,529.36 |
| Chilton County | $563.51 | $639.58 | $720.16 | $1,006.42 | $1,529.36 |
| Jefferson County | $563.51 | $639.58 | $720.16 | $1,006.42 | $1,529.36 |
| Saint Clair County | $563.51 | $639.58 | $720.16 | $1,006.42 | $1,529.36 |
| Shelby County | $563.51 | $639.58 | $720.16 | $1,006.42 | $1,529.36 |
| Walker County | $563.51 | $639.58 | $720.16 | $1,006.42 | $1,529.36 |
| Baldwin County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Barbour County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Bullock County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Chambers County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Cherokee County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Choctaw County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Clarke County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Clay County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Cleburne County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Coffee County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Conecuh County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Coosa County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Cullman County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Dale County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| De Kalb County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Escambia County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Fayette County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Franklin County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Jackson County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Macon County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Marengo County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Marion County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Marshall County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Perry County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Pickens County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Pike County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Randolph County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Sumter County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Talladega County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Tallapoosa County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Washington County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Winston County | $564.21 | $640.38 | $721.06 | $1,007.67 | $1,531.26 |
| Limestone County | $613.78 | $696.64 | $784.41 | $1,096.21 | $1,665.79 |
| Madison County | $613.78 | $696.64 | $784.41 | $1,096.21 | $1,665.79 |
| Lee County | $683.14 | $775.37 | $873.06 | $1,220.10 | $1,854.05 |
| Russell County | $849.40 | $964.07 | $1,085.53 | $1,517.02 | $2,305.27 |
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.