UHC Silver Standard (No Referrals) — full price in Limestone County, Alabama (2026)
UHC Silver Standard (No Referrals) (69461AL0110014), a silver plan from UnitedHealthcare in Limestone County, Alabama, costs $780.63/month full price for a 40-year-old in 2026 — $1657.77 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69461AL0110014 · 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 | $610.82 |
| 27 | $640.14 |
| 30 | $693.28 |
| 40 | $780.63 |
| 50 | $1090.93 |
| 60 | $1657.77 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $682.88/mo. This plan is $780.63/mo at 40 — a difference of $97.75/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 silver plans in Limestone County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Statewide Silver EPO | Blue Cross and Blue Shield of Alabama | $665.92 |
| Blue Standardized Statewide Silver EPO | Blue Cross and Blue Shield of Alabama | $682.88 |
| Blue Cross Select Silver | Blue Cross and Blue Shield of Alabama | $684.71 |
| Blue Standardized Silver | Blue Cross and Blue Shield of Alabama | $689.78 |
| Silver Classic Standard | Oscar Insurance Company | $702.00 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69461AL0110014 in FIPS 01083.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Limestone County
Reviewed by Jason Burns, Editorial Steward.