UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — full price in Madison County, Alabama (2026)
UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) (69461AL0120005), a silver plan from UnitedHealthcare in Madison County, Alabama, costs $812.14/month full price for a 40-year-old in 2026 — $1724.68 at 60, with a $0 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape. 2027 plans for Madison County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.
HIOS plan ID: 69461AL0120005 · 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 | $635.47 |
| 27 | $665.98 |
| 30 | $721.26 |
| 40 | $812.14 |
| 50 | $1134.96 |
| 60 | $1724.68 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $682.88/mo. This plan is $812.14/mo at 40 — a difference of $129.26/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 Classic Standard | Oscar Insurance Company | $702.00 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69461AL0120005 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.
Source record: privatehealthinsurancedirectanswers.com/plan/al/madison/69461al0120005 · Record ID PHI-1CWZWZL1