UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) — full price in Houston County, Alabama (2026)
UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) (69461AL0120002), a gold plan from UnitedHealthcare in Houston County, Alabama, costs $780.91/month full price for a 40-year-old in 2026 — $1658.36 at 60, with a $750 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69461AL0120002 · 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 | $611.04 |
| 27 | $640.37 |
| 30 | $693.53 |
| 40 | $780.91 |
| 50 | $1091.31 |
| 60 | $1658.36 |
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 $628.53/mo. This plan is $780.91/mo at 40 — a difference of $152.38/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 Houston County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter of Alabama | $662.20 |
| Standard Gold + Vision + Adult Dental | Ambetter of Alabama | $689.12 |
| Complete Gold | Ambetter of Alabama | $698.60 |
| Complete Gold + Vision + Adult Dental | Ambetter of Alabama | $727.00 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $759.44 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69461AL0120002 in FIPS 01069.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Houston County
Reviewed by Jason Burns, Editorial Steward.