UHC Silver Standard (No Referrals) — full price in Baldwin County, Alabama (2026)
UHC Silver Standard (No Referrals) (69461AL0110014), a silver plan from UnitedHealthcare in Baldwin County, Alabama, costs $717.58/month full price for a 40-year-old in 2026 — $1523.88 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69461AL0110014 · Issuer: UnitedHealthcare · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $561.49 |
| 27 | $588.44 |
| 30 | $637.29 |
| 40 | $717.58 |
| 50 | $1002.82 |
| 60 | $1523.88 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $639.41/mo. This plan is $717.58/mo at 40 — a difference of $78.17/mo.
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 — 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.
Other silver plans in Baldwin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter of Alabama | $633.72 |
| Blue Statewide Silver EPO | Blue Cross and Blue Shield of Alabama | $639.41 |
| Focused Silver | Ambetter of Alabama | $641.05 |
| Enhanced Diabetes Care Silver with $0 Drug Options | Ambetter of Alabama | $653.21 |
| Blue Standardized Statewide Silver EPO | Blue Cross and Blue Shield of Alabama | $655.70 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69461AL0110014 in FIPS 01003.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Baldwin County
Reviewed by Jason Burns, Editorial Steward.