UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)
Gold · EPO · UnitedHealthcare · Alabama
At age 40 it costs between $678.06 and $1,230.34 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 | 69461AL0110023 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | EPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $500 |
| Most you could pay in a year | $7,000 |
| Family maximum | $14,000 |
| Primary care visit | $10 |
| Specialist visit | $60 |
| Emergency room | $500 |
| Inpatient stay | $2,000 Copay per Day |
| Generic drugs | $5 |
| Preferred brand drugs | $50 |
| 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 | $530.56 | $602.19 | $678.06 | $947.58 | $1,439.94 |
| Mobile County | $564.45 | $640.65 | $721.36 | $1,008.10 | $1,531.91 |
| Etowah County | $569.04 | $645.86 | $727.24 | $1,016.31 | $1,544.38 |
| Greene County | $574.05 | $651.55 | $733.64 | $1,025.26 | $1,557.98 |
| Hale County | $574.05 | $651.55 | $733.64 | $1,025.26 | $1,557.98 |
| Tuscaloosa County | $574.05 | $651.55 | $733.64 | $1,025.26 | $1,557.98 |
| Colbert County | $600.42 | $681.48 | $767.34 | $1,072.36 | $1,629.55 |
| Lauderdale County | $600.42 | $681.48 | $767.34 | $1,072.36 | $1,629.55 |
| Lawrence County | $608.64 | $690.80 | $777.84 | $1,087.03 | $1,651.84 |
| Morgan County | $608.64 | $690.80 | $777.84 | $1,087.03 | $1,651.84 |
| Geneva County | $613.73 | $696.59 | $784.35 | $1,096.13 | $1,665.67 |
| Henry County | $613.73 | $696.59 | $784.35 | $1,096.13 | $1,665.67 |
| Houston County | $613.73 | $696.59 | $784.35 | $1,096.13 | $1,665.67 |
| Bibb County | $638.68 | $724.90 | $816.23 | $1,140.68 | $1,733.38 |
| Blount County | $638.68 | $724.90 | $816.23 | $1,140.68 | $1,733.38 |
| Chilton County | $638.68 | $724.90 | $816.23 | $1,140.68 | $1,733.38 |
| Jefferson County | $638.68 | $724.90 | $816.23 | $1,140.68 | $1,733.38 |
| Saint Clair County | $638.68 | $724.90 | $816.23 | $1,140.68 | $1,733.38 |
| Shelby County | $638.68 | $724.90 | $816.23 | $1,140.68 | $1,733.38 |
| Walker County | $638.68 | $724.90 | $816.23 | $1,140.68 | $1,733.38 |
| Baldwin County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Barbour County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Bullock County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Chambers County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Cherokee County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Choctaw County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Clarke County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Clay County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Cleburne County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Coffee County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Conecuh County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Coosa County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Cullman County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Dale County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| De Kalb County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Escambia County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Fayette County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Franklin County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Jackson County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Macon County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Marengo County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Marion County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Marshall County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Perry County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Pickens County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Pike County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Randolph County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Sumter County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Talladega County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Tallapoosa County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Washington County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Winston County | $639.47 | $725.80 | $817.25 | $1,142.10 | $1,735.53 |
| Limestone County | $695.66 | $789.57 | $889.05 | $1,242.44 | $1,888.01 |
| Madison County | $695.66 | $789.57 | $889.05 | $1,242.44 | $1,888.01 |
| Lee County | $774.28 | $878.80 | $989.53 | $1,382.86 | $2,101.39 |
| Russell County | $962.71 | $1,092.67 | $1,230.34 | $1,719.40 | $2,612.79 |
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.