UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — full price in Conecuh County, Alabama (2026)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) (69461AL0110023), a gold plan from UnitedHealthcare in Conecuh County, Alabama, costs $817.25/month full price for a 40-year-old in 2026 — $1735.53 at 60, with a $0 deductible and $7,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69461AL0110023 · 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 | $639.47 |
| 27 | $670.17 |
| 30 | $725.80 |
| 40 | $817.25 |
| 50 | $1142.10 |
| 60 | $1735.53 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $7,000
- Family out-of-pocket max: $14,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $655.70/mo. This plan is $817.25/mo at 40 — a difference of $161.55/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.
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Other gold plans in Conecuh County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $791.29 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | UnitedHealthcare | $794.27 |
| Blue Standardized Gold | Blue Cross and Blue Shield of Alabama | $808.46 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | UnitedHealthcare | $813.66 |
| Blue Cross Select Gold | Blue Cross and Blue Shield of Alabama | $849.08 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69461AL0110023 in FIPS 01035.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Conecuh County
Reviewed by Jason Burns, Editorial Steward.