UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — full price in Hale County, Alabama (2026)
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) (69461AL0110020), a expanded bronze plan from UnitedHealthcare in Hale County, Alabama, costs $438.68/month full price for a 40-year-old in 2026 — $931.60 at 60, with a $0 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69461AL0110020 · 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 | $343.26 |
| 27 | $359.73 |
| 30 | $389.60 |
| 40 | $438.68 |
| 50 | $613.06 |
| 60 | $931.60 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- 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 $597.95/mo. This plan is $438.68/mo at 40 — a difference of $-159.27/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 Hale County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Saver Bronze | Blue Cross and Blue Shield of Alabama | $415.64 |
| Blue Standardized Bronze | Blue Cross and Blue Shield of Alabama | $418.76 |
| UHC Bronze Standard (No Referrals) | UnitedHealthcare | $419.46 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) | UnitedHealthcare | $436.10 |
| Blue HSA Bronze | Blue Cross and Blue Shield of Alabama | $453.41 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69461AL0110020 in FIPS 01065.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Hale County
Reviewed by Jason Burns, Editorial Steward.