UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — full price in Madison County, Alabama (2026)
UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) (69461AL0120004), a silver plan from UnitedHealthcare in Madison County, Alabama, costs $804.57/month full price for a 40-year-old in 2026 — $1708.62 at 60, with a $3,500 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69461AL0120004 · 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 | $629.56 |
| 27 | $659.78 |
| 30 | $714.55 |
| 40 | $804.57 |
| 50 | $1124.39 |
| 60 | $1708.62 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,500
- Family deductible: $7,000
- 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 $804.57/mo at 40 — a difference of $121.69/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 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 Classic Standard | Oscar Insurance Company | $702.00 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69461AL0120004 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.