Silver Classic Standard — full price in Madison County, Alabama (2026)
Silver Classic Standard (17091AL0010005), a silver plan from Oscar Insurance Company in Madison County, Alabama, costs $702.00/month full price for a 40-year-old in 2026 — $1490.78 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 17091AL0010005 · 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 | $549.30 |
| 27 | $575.66 |
| 30 | $623.45 |
| 40 | $702.00 |
| 50 | $981.04 |
| 60 | $1490.78 |
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 $702.00/mo at 40 — a difference of $19.12/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 silver plans in Madison 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 Simple | Oscar Insurance Company | $707.71 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 17091AL0010005 in FIPS 01089.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Madison County
Reviewed by Jason Burns, Editorial Steward.