Blue Standardized Gold — full price in Jefferson County, Alabama (2026)
Blue Standardized Gold (46944AL0720001), a gold plan from Blue Cross and Blue Shield of Alabama in Jefferson County, Alabama, costs $837.78/month full price for a 40-year-old in 2026 — $1779.14 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 46944AL0720001 · Issuer: Blue Cross and Blue Shield of Alabama · 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 | $655.54 |
| 27 | $687.01 |
| 30 | $744.04 |
| 40 | $837.78 |
| 50 | $1170.79 |
| 60 | $1779.14 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $652.44/mo. This plan is $837.78/mo at 40 — a difference of $185.34/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 46944AL0720001 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.