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Elite Gold — full price in Madison County, Alabama (2026)

Elite Gold (53932AL0100016), a gold plan from Ambetter of Alabama in Madison County, Alabama, costs $851.86/month full price for a 40-year-old in 2026 — $1809.04 at 60, with a $0 deductible and $6,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.

HIOS plan ID: 53932AL0100016 · 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)

AgeMonthly premium
21$666.57
27$698.55
30$756.55
40$851.86
50$1190.48
60$1809.04

Deductibles & out-of-pocket max (2026)

  • Individual deductible: $0
  • Family deductible: $0
  • Individual out-of-pocket max: $6,500
  • Family out-of-pocket max: $13,000

Vs. county benchmark

The county benchmark silver premium for a 40-year-old is $682.88/mo. This plan is $851.86/mo at 40 — a difference of $168.98/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

PlanIssuerPremium @ 40
Standard GoldAmbetter of Alabama$739.64
Standard Gold + Vision + Adult DentalAmbetter of Alabama$769.71
Gold SimpleOscar Insurance Company$776.53
Complete GoldAmbetter of Alabama$780.29
Gold Classic StandardOscar Insurance Company$781.31

Sources

← All plans and costs in Madison County

Reviewed by Jason Burns, Editorial Steward.

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