UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — full price in Franklin County, Alabama (2026)
UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) (69461AL0110025), a gold plan from UnitedHealthcare in Franklin County, Alabama, costs $794.27/month full price for a 40-year-old in 2026 — $1686.74 at 60, with a $750 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69461AL0110025 · 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 | $621.50 |
| 27 | $651.33 |
| 30 | $705.40 |
| 40 | $794.27 |
| 50 | $1109.99 |
| 60 | $1686.74 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $750
- Family deductible: $1,500
- Individual out-of-pocket max: $8,000
- Family out-of-pocket max: $16,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $639.41/mo. This plan is $794.27/mo at 40 — a difference of $154.86/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 Franklin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter of Alabama | $660.89 |
| Standard Gold + Vision + Adult Dental | Ambetter of Alabama | $687.77 |
| Complete Gold | Ambetter of Alabama | $697.22 |
| Complete Gold + Vision + Adult Dental | Ambetter of Alabama | $725.57 |
| Elite Gold | Ambetter of Alabama | $761.17 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69461AL0110025 in FIPS 01059.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Franklin County
Reviewed by Jason Burns, Editorial Steward.