What health insurance costs without a subsidy in Madison County, Alabama (2026)
In Madison County, Alabama, the benchmark silver plan costs $682.88/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $434.78 to $929.28. A 60-year-old pays at least $923.31/month, a 21-year-old at least $340.20. 4 insurers offer 52 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 $340.20/mo
- Age 40 — starting at $434.78/mo
- Age 60 — starting at $923.31/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $479.80/mo
- Silver — starting at $665.92/mo
- Gold — starting at $739.64/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, Oscar Insurance Company, 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.
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 Madison County (FIPS 01089).
- 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
- Butler County — $655.70/mo benchmark
- Cherokee County — $655.70/mo benchmark
Plans available in this county (52)
- UHC Bronze Essential (No Referrals) — Bronze · $479.80/mo @ 40
- Blue Protect — Catastrophic · $434.78/mo @ 40
- Blue Saver Bronze — Expanded Bronze · $474.68/mo @ 40
- Blue Standardized Bronze — Expanded Bronze · $478.24/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $508.32/mo @ 40
- Blue HSA Bronze — Expanded Bronze · $517.81/mo @ 40
- UHC Bronze Standard+ (Dental + Vision, No Referrals) — Expanded Bronze · $528.49/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $531.61/mo @ 40
- Everyday Bronze — Expanded Bronze · $546.42/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $546.98/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $548.17/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $557.92/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $568.64/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $568.86/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $569.22/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $599.05/mo @ 40
- Elite Bronze — Expanded Bronze · $630.90/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $656.55/mo @ 40
- Standard Gold — Gold · $739.64/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $769.71/mo @ 40
- Gold Simple — Gold · $776.53/mo @ 40
- Complete Gold — Gold · $780.29/mo @ 40
- Gold Classic Standard — Gold · $781.31/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $812.02/mo @ 40
- Blue Standardized Gold — Gold · $841.97/mo @ 40
- Elite Gold — Gold · $851.86/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $860.81/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold · $864.06/mo @ 40
- Blue Cross Select Gold — Gold · $884.28/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) — Gold · $885.15/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $886.50/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold · $889.05/mo @ 40
- Blue Value Gold — Gold · $929.28/mo @ 40
- Blue Statewide Silver EPO — Silver · $665.92/mo @ 40
- Blue Standardized Statewide Silver EPO — Silver · $682.88/mo @ 40
- Blue Cross Select Silver — Silver · $684.71/mo @ 40
- Blue Standardized Silver — Silver · $689.78/mo @ 40
- Silver Classic Standard — Silver · $702.00/mo @ 40
- Silver Simple — Silver · $707.71/mo @ 40
- Silver Simple Chronic Care CKM — Silver · $708.25/mo @ 40
Showing first 40 of 52 plans on file.
Reviewed by Jason Burns, Editorial Steward.