Standard Gold — full price in Madison County, Alabama (2026)
Standard Gold (53932AL0100013), a gold plan from Ambetter of Alabama in Madison County, Alabama, costs $739.64/month full price for a 40-year-old in 2026 — $1570.71 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 53932AL0100013 · Issuer: Ambetter 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 | $578.76 |
| 27 | $606.52 |
| 30 | $656.88 |
| 40 | $739.64 |
| 50 | $1033.64 |
| 60 | $1570.71 |
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 $682.88/mo. This plan is $739.64/mo at 40 — a difference of $56.76/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 Madison County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold + Vision + Adult Dental | Ambetter of Alabama | $769.71 |
| Gold Simple | Oscar Insurance Company | $776.53 |
| Complete Gold | Ambetter of Alabama | $780.29 |
| Gold Classic Standard | Oscar Insurance Company | $781.31 |
| Complete Gold + Vision + Adult Dental | Ambetter of Alabama | $812.02 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 53932AL0100013 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.