Elite Bronze — full price in Cullman County, Alabama (2026)
Elite Bronze (53932AL0100014), a expanded bronze plan from Ambetter of Alabama in Cullman County, Alabama, costs $563.74/month full price for a 40-year-old in 2026 — $1197.17 at 60, with a $0 deductible and $10,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 53932AL0100014 · Issuer: Ambetter of Alabama · 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 | $441.12 |
| 27 | $462.28 |
| 30 | $500.66 |
| 40 | $563.74 |
| 50 | $787.82 |
| 60 | $1197.17 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,500
- Family out-of-pocket max: $21,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $639.41/mo. This plan is $563.74/mo at 40 — a difference of $-75.67/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 expanded bronze plans in Cullman County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Saver Bronze | Blue Cross and Blue Shield of Alabama | $455.79 |
| Blue Standardized Bronze | Blue Cross and Blue Shield of Alabama | $459.21 |
| UHC Bronze Standard (No Referrals) | UnitedHealthcare | $467.27 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) | UnitedHealthcare | $485.80 |
| Everyday Bronze | Ambetter of Alabama | $488.25 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 53932AL0100014 in FIPS 01043.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cullman County
Reviewed by Jason Burns, Editorial Steward.