What health insurance costs without a subsidy in Cherokee County, Alabama (2026)
In Cherokee County, Alabama, the benchmark silver plan costs $655.70/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $417.47 to $892.30. A 60-year-old pays at least $886.56/month, a 21-year-old at least $326.66. 2 insurers offer 25 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $326.66/mo
- Age 40 — starting at $417.47/mo
- Age 60 — starting at $886.56/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $441.05/mo
- Silver — starting at $639.41/mo
- Gold — starting at $791.29/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Blue Cross and Blue Shield of Alabama, UnitedHealthcare
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Cherokee County (FIPS 01019).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Alabama
- Lee County — $686.28/mo benchmark
- Russell County — $686.28/mo benchmark
- Limestone County — $682.88/mo benchmark
- Madison County — $682.88/mo benchmark
- Butler County — $655.70/mo benchmark
Plans available in this county (25)
- UHC Bronze Essential (No Referrals) — Bronze · $441.05/mo @ 40
- Blue Protect — Catastrophic · $417.47/mo @ 40
- Blue Saver Bronze — Expanded Bronze · $455.79/mo @ 40
- Blue Standardized Bronze — Expanded Bronze · $459.21/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $467.27/mo @ 40
- UHC Bronze Standard+ (Dental + Vision, No Referrals) — Expanded Bronze · $485.80/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $488.68/mo @ 40
- Blue HSA Bronze — Expanded Bronze · $497.21/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $791.29/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold · $794.27/mo @ 40
- Blue Standardized Gold — Gold · $808.46/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) — Gold · $813.66/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold · $817.25/mo @ 40
- Blue Cross Select Gold — Gold · $849.08/mo @ 40
- Blue Value Gold — Gold · $892.30/mo @ 40
- Blue Statewide Silver EPO — Silver · $639.41/mo @ 40
- Blue Standardized Statewide Silver EPO — Silver · $655.70/mo @ 40
- Blue Cross Select Silver — Silver · $657.46/mo @ 40
- Blue Standardized Silver — Silver · $662.33/mo @ 40
- UHC Silver Standard (No Referrals) — Silver · $717.58/mo @ 40
- UHC Silver Value ($0 Virtual Urgent Care, No Referrals) — Silver · $721.06/mo @ 40
- UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Silver · $728.01/mo @ 40
- Blue Value Silver — Silver · $734.41/mo @ 40
- UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Silver · $739.59/mo @ 40
- UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Silver · $746.55/mo @ 40
Reviewed by Jason Burns, Editorial Steward.