UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — full price in Fayette County, Alabama (2026)
UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) (69461AL0120005), a silver plan from UnitedHealthcare in Fayette County, Alabama, costs $746.55/month full price for a 40-year-old in 2026 — $1585.39 at 60, with a $0 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69461AL0120005 · 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 | $584.15 |
| 27 | $612.19 |
| 30 | $663.01 |
| 40 | $746.55 |
| 50 | $1043.29 |
| 60 | $1585.39 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $655.70/mo. This plan is $746.55/mo at 40 — a difference of $90.85/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 silver plans in Fayette County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Statewide Silver EPO | Blue Cross and Blue Shield of Alabama | $639.41 |
| Blue Standardized Statewide Silver EPO | Blue Cross and Blue Shield of Alabama | $655.70 |
| Blue Cross Select Silver | Blue Cross and Blue Shield of Alabama | $657.46 |
| Blue Standardized Silver | Blue Cross and Blue Shield of Alabama | $662.33 |
| UHC Silver Standard (No Referrals) | UnitedHealthcare | $717.58 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69461AL0120005 in FIPS 01057.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Fayette County
Reviewed by Jason Burns, Editorial Steward.