Blue Standardized Gold — full price in Etowah County, Alabama (2026)
Blue Standardized Gold (46944AL0720001), a gold plan from Blue Cross and Blue Shield of Alabama in Etowah County, Alabama, costs $770.76/month full price for a 40-year-old in 2026 — $1636.80 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 46944AL0720001 · 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 | $603.10 |
| 27 | $632.05 |
| 30 | $684.51 |
| 40 | $770.76 |
| 50 | $1077.13 |
| 60 | $1636.80 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $625.13/mo. This plan is $770.76/mo at 40 — a difference of $145.63/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 gold plans in Etowah County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $704.14 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | UnitedHealthcare | $706.79 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | UnitedHealthcare | $724.04 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | UnitedHealthcare | $727.24 |
| Standard Gold | Ambetter of Alabama | $752.95 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 46944AL0720001 in FIPS 01055.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Etowah County
Reviewed by Jason Burns, Editorial Steward.