UHC Silver Value ($0 Virtual Urgent Care, No Referrals) — full price in Mobile County, Alabama (2026)
UHC Silver Value ($0 Virtual Urgent Care, No Referrals) (69461AL0110004), a silver plan from UnitedHealthcare in Mobile County, Alabama, costs $636.46/month full price for a 40-year-old in 2026 — $1351.60 at 60, with a $3,500 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69461AL0110004 · 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 | $498.01 |
| 27 | $521.92 |
| 30 | $565.24 |
| 40 | $636.46 |
| 50 | $889.45 |
| 60 | $1351.60 |
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 $633.39/mo. This plan is $636.46/mo at 40 — a difference of $3.07/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 Mobile County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Statewide Silver EPO | Blue Cross and Blue Shield of Alabama | $632.79 |
| UHC Silver Standard (No Referrals) | UnitedHealthcare | $633.39 |
| Standard Silver | Ambetter of Alabama | $636.09 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | UnitedHealthcare | $642.59 |
| Focused Silver | Ambetter of Alabama | $643.45 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69461AL0110004 in FIPS 01097.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Mobile County
Reviewed by Jason Burns, Editorial Steward.