UHC Silver Standard (No Referrals)
Silver · EPO · UnitedHealthcare · Alabama
At age 40 it costs between $595.37 and $1,080.30 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 | 69461AL0110014 |
|---|---|
| Insurer | UnitedHealthcare |
| 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 | 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 | $465.86 | $528.75 | $595.37 | $832.02 | $1,264.34 |
| Mobile County | $495.61 | $562.52 | $633.39 | $885.16 | $1,345.09 |
| Etowah County | $499.65 | $567.10 | $638.55 | $892.37 | $1,356.05 |
| Greene County | $504.05 | $572.09 | $644.17 | $900.23 | $1,367.98 |
| Hale County | $504.05 | $572.09 | $644.17 | $900.23 | $1,367.98 |
| Tuscaloosa County | $504.05 | $572.09 | $644.17 | $900.23 | $1,367.98 |
| Colbert County | $527.20 | $598.37 | $673.76 | $941.58 | $1,430.83 |
| Lauderdale County | $527.20 | $598.37 | $673.76 | $941.58 | $1,430.83 |
| Lawrence County | $534.41 | $606.56 | $682.98 | $954.46 | $1,450.40 |
| Morgan County | $534.41 | $606.56 | $682.98 | $954.46 | $1,450.40 |
| Geneva County | $538.89 | $611.64 | $688.70 | $962.46 | $1,462.55 |
| Henry County | $538.89 | $611.64 | $688.70 | $962.46 | $1,462.55 |
| Houston County | $538.89 | $611.64 | $688.70 | $962.46 | $1,462.55 |
| Bibb County | $560.79 | $636.50 | $716.69 | $1,001.58 | $1,521.99 |
| Blount County | $560.79 | $636.50 | $716.69 | $1,001.58 | $1,521.99 |
| Chilton County | $560.79 | $636.50 | $716.69 | $1,001.58 | $1,521.99 |
| Jefferson County | $560.79 | $636.50 | $716.69 | $1,001.58 | $1,521.99 |
| Saint Clair County | $560.79 | $636.50 | $716.69 | $1,001.58 | $1,521.99 |
| Shelby County | $560.79 | $636.50 | $716.69 | $1,001.58 | $1,521.99 |
| Walker County | $560.79 | $636.50 | $716.69 | $1,001.58 | $1,521.99 |
| Baldwin County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Barbour County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Bullock County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Chambers County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Cherokee County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Choctaw County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Clarke County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Clay County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Cleburne County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Coffee County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Conecuh County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Coosa County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Cullman County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Dale County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| De Kalb County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Escambia County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Fayette County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Franklin County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Jackson County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Macon County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Marengo County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Marion County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Marshall County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Perry County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Pickens County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Pike County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Randolph County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Sumter County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Talladega County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Tallapoosa County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Washington County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Winston County | $561.49 | $637.29 | $717.58 | $1,002.82 | $1,523.88 |
| Limestone County | $610.82 | $693.28 | $780.63 | $1,090.93 | $1,657.77 |
| Madison County | $610.82 | $693.28 | $780.63 | $1,090.93 | $1,657.77 |
| Lee County | $679.85 | $771.63 | $868.85 | $1,214.22 | $1,845.12 |
| Russell County | $845.31 | $959.42 | $1,080.30 | $1,509.72 | $2,294.16 |
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.