UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)
Gold · EPO · UnitedHealthcare · Alabama
At age 40 it costs between $659 and $1,195.75 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 | 69461AL0110025 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Gold |
| Plan type | EPO |
| Deductible (individual) | $750 |
| Deductible (family) | $1,500 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,000 |
| Family maximum | $16,000 |
| Primary care visit | $20 |
| Specialist visit | $75 |
| Emergency room | $500 Copay after deductible |
| Inpatient stay | 35% Coinsurance after deductible |
| Generic drugs | $5 |
| Preferred brand drugs | $50 |
| Specialty drugs | 40% 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 | $515.65 | $585.26 | $659 | $920.94 | $1,399.46 |
| Mobile County | $548.58 | $622.64 | $701.08 | $979.76 | $1,488.84 |
| Etowah County | $553.05 | $627.71 | $706.79 | $987.74 | $1,500.97 |
| Greene County | $557.91 | $633.23 | $713.02 | $996.44 | $1,514.18 |
| Hale County | $557.91 | $633.23 | $713.02 | $996.44 | $1,514.18 |
| Tuscaloosa County | $557.91 | $633.23 | $713.02 | $996.44 | $1,514.18 |
| Colbert County | $583.54 | $662.32 | $745.77 | $1,042.21 | $1,583.74 |
| Lauderdale County | $583.54 | $662.32 | $745.77 | $1,042.21 | $1,583.74 |
| Lawrence County | $591.53 | $671.38 | $755.97 | $1,056.47 | $1,605.40 |
| Morgan County | $591.53 | $671.38 | $755.97 | $1,056.47 | $1,605.40 |
| Geneva County | $596.48 | $677.01 | $762.30 | $1,065.31 | $1,618.85 |
| Henry County | $596.48 | $677.01 | $762.30 | $1,065.31 | $1,618.85 |
| Houston County | $596.48 | $677.01 | $762.30 | $1,065.31 | $1,618.85 |
| Bibb County | $620.73 | $704.52 | $793.29 | $1,108.62 | $1,684.65 |
| Blount County | $620.73 | $704.52 | $793.29 | $1,108.62 | $1,684.65 |
| Chilton County | $620.73 | $704.52 | $793.29 | $1,108.62 | $1,684.65 |
| Jefferson County | $620.73 | $704.52 | $793.29 | $1,108.62 | $1,684.65 |
| Saint Clair County | $620.73 | $704.52 | $793.29 | $1,108.62 | $1,684.65 |
| Shelby County | $620.73 | $704.52 | $793.29 | $1,108.62 | $1,684.65 |
| Walker County | $620.73 | $704.52 | $793.29 | $1,108.62 | $1,684.65 |
| Baldwin County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Barbour County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Bullock County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Chambers County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Cherokee County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Choctaw County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Clarke County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Clay County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Cleburne County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Coffee County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Conecuh County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Coosa County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Cullman County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Dale County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| De Kalb County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Escambia County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Fayette County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Franklin County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Jackson County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Macon County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Marengo County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Marion County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Marshall County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Perry County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Pickens County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Pike County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Randolph County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Sumter County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Talladega County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Tallapoosa County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Washington County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Winston County | $621.50 | $705.40 | $794.27 | $1,109.99 | $1,686.74 |
| Limestone County | $676.10 | $767.37 | $864.06 | $1,207.52 | $1,834.94 |
| Madison County | $676.10 | $767.37 | $864.06 | $1,207.52 | $1,834.94 |
| Lee County | $752.51 | $854.10 | $961.71 | $1,343.98 | $2,042.31 |
| Russell County | $935.65 | $1,061.96 | $1,195.75 | $1,671.06 | $2,539.34 |
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.