Gold Simple — full price in Jefferson County, Alabama (2026)
Gold Simple (17091AL0010009), a gold plan from Oscar Insurance Company in Jefferson County, Alabama, costs $894.41/month full price for a 40-year-old in 2026 — $1899.39 at 60, with a $3,300 deductible and $9,950 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 17091AL0010009 · Issuer: Oscar Insurance Company · 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 | $699.86 |
| 27 | $733.44 |
| 30 | $794.33 |
| 40 | $894.41 |
| 50 | $1249.93 |
| 60 | $1899.39 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,300
- Family deductible: $6,600
- Individual out-of-pocket max: $9,950
- Family out-of-pocket max: $19,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $652.44/mo. This plan is $894.41/mo at 40 — a difference of $241.97/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 Jefferson County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter of Alabama | $710.67 |
| Standard Gold + Vision + Adult Dental | Ambetter of Alabama | $739.56 |
| Complete Gold | Ambetter of Alabama | $749.73 |
| Complete Gold + Vision + Adult Dental | Ambetter of Alabama | $780.21 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $790.31 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 17091AL0010009 in FIPS 01073.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Jefferson County
Reviewed by Jason Burns, Editorial Steward.