Blue Protect — full price in Elmore County, Alabama (2026)
Blue Protect (46944AL0470001), a catastrophic plan from Blue Cross and Blue Shield of Alabama in Elmore County, Alabama, costs $404.50/month full price for a 40-year-old in 2026 — $859.00 at 60, with a $10,600 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 46944AL0470001 · Issuer: Blue Cross and Blue Shield 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 | $316.51 |
| 27 | $331.70 |
| 30 | $359.24 |
| 40 | $404.50 |
| 50 | $565.28 |
| 60 | $859.00 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $10,600
- Family deductible: $21,200
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $635.32/mo. This plan is $404.50/mo at 40 — a difference of $-230.82/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.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 46944AL0470001 in FIPS 01051.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Elmore County
Reviewed by Jason Burns, Editorial Steward.