What health insurance costs without a subsidy in Lowndes County, Alabama (2026)
In Lowndes County, Alabama, the benchmark silver plan costs $635.32/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $404.50 to $864.56. A 60-year-old pays at least $859.00/month, a 21-year-old at least $316.51. 2 insurers offer 30 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 $316.51/mo
- Age 40 — starting at $404.50/mo
- Age 60 — starting at $859.00/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $619.54/mo
- Gold — starting at $709.43/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
Ambetter of Alabama, Blue Cross and Blue Shield of Alabama
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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Lowndes County (FIPS 01085).
- 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 (30)
- Blue Protect — Catastrophic · $404.50/mo @ 40
- Blue Saver Bronze — Expanded Bronze · $441.62/mo @ 40
- Blue Standardized Bronze — Expanded Bronze · $444.93/mo @ 40
- Blue HSA Bronze — Expanded Bronze · $481.75/mo @ 40
- Everyday Bronze — Expanded Bronze · $524.11/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $524.65/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $545.42/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $545.98/mo @ 40
- Elite Bronze — Expanded Bronze · $605.14/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $629.74/mo @ 40
- Standard Gold — Gold · $709.43/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $738.28/mo @ 40
- Complete Gold — Gold · $748.42/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $778.85/mo @ 40
- Blue Standardized Gold — Gold · $783.32/mo @ 40
- Elite Gold — Gold · $817.07/mo @ 40
- Blue Cross Select Gold — Gold · $822.69/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $850.30/mo @ 40
- Blue Value Gold — Gold · $864.56/mo @ 40
- Blue Statewide Silver EPO — Silver · $619.54/mo @ 40
- Blue Standardized Statewide Silver EPO — Silver · $635.32/mo @ 40
- Blue Cross Select Silver — Silver · $637.02/mo @ 40
- Blue Standardized Silver — Silver · $641.74/mo @ 40
- Standard Silver — Silver · $680.26/mo @ 40
- Focused Silver — Silver · $688.13/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options — Silver · $701.19/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $707.92/mo @ 40
- Blue Value Silver — Silver · $711.58/mo @ 40
- Focused Silver + Vision + Adult Dental — Silver · $716.11/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver · $729.70/mo @ 40
Reviewed by Jason Burns, Editorial Steward.