What health insurance costs without a subsidy in Shelby County, Alabama (2026)
In Shelby County, Alabama, the benchmark silver plan costs $652.44/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $432.62 to $924.66. A 60-year-old pays at least $918.72/month, a 21-year-old at least $338.51. 4 insurers offer 54 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 $338.51/mo
- Age 40 — starting at $432.62/mo
- Age 60 — starting at $918.72/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $440.51/mo
- Silver — starting at $625.08/mo
- Gold — starting at $710.67/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 Shelby County (FIPS 01117).
- 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 (54)
- UHC Bronze Essential (No Referrals) — Bronze · $440.51/mo @ 40
- Blue Protect — Catastrophic · $432.62/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $466.69/mo @ 40
- Blue Saver Bronze — Expanded Bronze · $472.32/mo @ 40
- Blue Standardized Bronze — Expanded Bronze · $475.86/mo @ 40
- UHC Bronze Standard+ (Dental + Vision, No Referrals) — Expanded Bronze · $485.20/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $488.07/mo @ 40
- Blue HSA Bronze — Expanded Bronze · $515.24/mo @ 40
- Everyday Bronze — Expanded Bronze · $525.02/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $525.56/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $546.37/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $546.93/mo @ 40
- Elite Bronze — Expanded Bronze · $606.19/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $630.84/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $631.39/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $642.62/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $655.22/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $689.99/mo @ 40
- Standard Gold — Gold · $710.67/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $739.56/mo @ 40
- Complete Gold — Gold · $749.73/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $780.21/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $790.31/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold · $793.29/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) — Gold · $812.65/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold · $816.23/mo @ 40
- Elite Gold — Gold · $818.50/mo @ 40
- Blue Standardized Gold — Gold · $837.78/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $851.78/mo @ 40
- Blue Cross Select Gold — Gold · $879.88/mo @ 40
- Gold Simple — Gold · $894.41/mo @ 40
- Gold Classic Standard — Gold · $899.92/mo @ 40
- Blue Value Gold — Gold · $924.66/mo @ 40
- Blue Saver Silver EPO — Silver · $625.08/mo @ 40
- Blue Standardized Silver EPO — Silver · $652.44/mo @ 40
- Blue Statewide Silver EPO — Silver · $662.60/mo @ 40
- Blue Standardized Statewide Silver EPO — Silver · $679.49/mo @ 40
- Blue Cross Select Silver — Silver · $681.30/mo @ 40
- Standard Silver — Silver · $681.45/mo @ 40
- Blue Standardized Silver — Silver · $686.35/mo @ 40
Showing first 40 of 54 plans on file.
Reviewed by Jason Burns, Editorial Steward.