What health insurance costs without a subsidy in Russell County, Alabama (2026)
In Russell County, Alabama, the benchmark silver plan costs $686.28/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $436.94 to $1230.34. A 60-year-old pays at least $927.90/month, a 21-year-old at least $341.90. 3 insurers offer 43 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 $341.90/mo
- Age 40 — starting at $436.94/mo
- Age 60 — starting at $927.90/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $663.99/mo
- Silver — starting at $669.23/mo
- Gold — starting at $742.04/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, 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 Russell County (FIPS 01113).
- 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
- Limestone County — $682.88/mo benchmark
- Madison County — $682.88/mo benchmark
- Butler County — $655.70/mo benchmark
- Cherokee County — $655.70/mo benchmark
Plans available in this county (43)
- UHC Bronze Essential (No Referrals) — Bronze · $663.99/mo @ 40
- Blue Protect — Catastrophic · $436.94/mo @ 40
- Blue Saver Bronze — Expanded Bronze · $477.05/mo @ 40
- Blue Standardized Bronze — Expanded Bronze · $480.62/mo @ 40
- Blue HSA Bronze — Expanded Bronze · $520.39/mo @ 40
- Everyday Bronze — Expanded Bronze · $548.20/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $548.76/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $570.49/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $571.07/mo @ 40
- Elite Bronze — Expanded Bronze · $632.95/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $658.69/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $703.46/mo @ 40
- UHC Bronze Standard+ (Dental + Vision, No Referrals) — Expanded Bronze · $731.36/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $735.69/mo @ 40
- Standard Gold — Gold · $742.04/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $772.21/mo @ 40
- Complete Gold — Gold · $782.82/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $814.65/mo @ 40
- Blue Standardized Gold — Gold · $846.16/mo @ 40
- Elite Gold — Gold · $854.63/mo @ 40
- Blue Cross Select Gold — Gold · $888.68/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $889.38/mo @ 40
- Blue Value Gold — Gold · $933.91/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $1191.26/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold · $1195.75/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) — Gold · $1224.94/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold · $1230.34/mo @ 40
- Blue Statewide Silver EPO — Silver · $669.23/mo @ 40
- Blue Standardized Statewide Silver EPO — Silver · $686.28/mo @ 40
- Blue Cross Select Silver — Silver · $688.11/mo @ 40
- Blue Standardized Silver — Silver · $693.21/mo @ 40
- Standard Silver — Silver · $711.53/mo @ 40
- Focused Silver — Silver · $719.76/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options — Silver · $733.42/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $740.46/mo @ 40
- Focused Silver + Vision + Adult Dental — Silver · $749.02/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver · $763.24/mo @ 40
- Blue Value Silver — Silver · $768.66/mo @ 40
- UHC Silver Standard (No Referrals) — Silver · $1080.30/mo @ 40
- UHC Silver Value ($0 Virtual Urgent Care, No Referrals) — Silver · $1085.53/mo @ 40
Showing first 40 of 43 plans on file.
Reviewed by Jason Burns, Editorial Steward.