UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — full price in Madison County, Alabama (2026)
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) (69461AL0110023), a gold plan from UnitedHealthcare in Madison County, Alabama, costs $889.05/month full price for a 40-year-old in 2026 — $1888.01 at 60, with a $0 deductible and $7,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69461AL0110023 · 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 | $695.66 |
| 27 | $729.05 |
| 30 | $789.57 |
| 40 | $889.05 |
| 50 | $1242.44 |
| 60 | $1888.01 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $7,000
- Family out-of-pocket max: $14,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $682.88/mo. This plan is $889.05/mo at 40 — a difference of $206.17/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 Madison County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter of Alabama | $739.64 |
| 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 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69461AL0110023 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.