UHC Gold Standard (No Referrals)
Gold · EPO · UnitedHealthcare · Alabama
At age 40 it costs between $656.52 and $1,191.26 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 | 69461AL0110010 |
|---|---|
| Insurer | UnitedHealthcare |
| 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 | 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 | $513.71 | $583.06 | $656.52 | $917.48 | $1,394.20 |
| Mobile County | $546.52 | $620.30 | $698.45 | $976.08 | $1,483.24 |
| Etowah County | $550.97 | $625.35 | $704.14 | $984.03 | $1,495.33 |
| Greene County | $555.82 | $630.85 | $710.33 | $992.69 | $1,508.49 |
| Hale County | $555.82 | $630.85 | $710.33 | $992.69 | $1,508.49 |
| Tuscaloosa County | $555.82 | $630.85 | $710.33 | $992.69 | $1,508.49 |
| Colbert County | $581.35 | $659.83 | $742.97 | $1,038.29 | $1,577.79 |
| Lauderdale County | $581.35 | $659.83 | $742.97 | $1,038.29 | $1,577.79 |
| Lawrence County | $589.30 | $668.86 | $753.13 | $1,052.50 | $1,599.37 |
| Morgan County | $589.30 | $668.86 | $753.13 | $1,052.50 | $1,599.37 |
| Geneva County | $594.24 | $674.46 | $759.44 | $1,061.31 | $1,612.76 |
| Henry County | $594.24 | $674.46 | $759.44 | $1,061.31 | $1,612.76 |
| Houston County | $594.24 | $674.46 | $759.44 | $1,061.31 | $1,612.76 |
| Bibb County | $618.39 | $701.88 | $790.31 | $1,104.45 | $1,678.32 |
| Blount County | $618.39 | $701.88 | $790.31 | $1,104.45 | $1,678.32 |
| Chilton County | $618.39 | $701.88 | $790.31 | $1,104.45 | $1,678.32 |
| Jefferson County | $618.39 | $701.88 | $790.31 | $1,104.45 | $1,678.32 |
| Saint Clair County | $618.39 | $701.88 | $790.31 | $1,104.45 | $1,678.32 |
| Shelby County | $618.39 | $701.88 | $790.31 | $1,104.45 | $1,678.32 |
| Walker County | $618.39 | $701.88 | $790.31 | $1,104.45 | $1,678.32 |
| Baldwin County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Barbour County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Bullock County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Chambers County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Cherokee County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Choctaw County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Clarke County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Clay County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Cleburne County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Coffee County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Conecuh County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Coosa County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Cullman County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Dale County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| De Kalb County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Escambia County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Fayette County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Franklin County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Jackson County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Macon County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Marengo County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Marion County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Marshall County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Perry County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Pickens County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Pike County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Randolph County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Sumter County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Talladega County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Tallapoosa County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Washington County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Winston County | $619.16 | $702.75 | $791.29 | $1,105.82 | $1,680.40 |
| Limestone County | $673.56 | $764.49 | $860.81 | $1,202.98 | $1,828.04 |
| Madison County | $673.56 | $764.49 | $860.81 | $1,202.98 | $1,828.04 |
| Lee County | $749.68 | $850.89 | $958.09 | $1,338.93 | $2,034.64 |
| Russell County | $932.13 | $1,057.97 | $1,191.26 | $1,664.78 | $2,529.80 |
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.