Focused Silver — full price in Morgan County, Alabama (2026)
Focused Silver (53932AL0100005), a silver plan from Ambetter of Alabama in Morgan County, Alabama, costs $708.10/month full price for a 40-year-old in 2026 — $1503.75 at 60, with a $6,300 deductible and $8,400 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 53932AL0100005 · 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)
| Age | Monthly premium |
|---|---|
| 21 | $554.08 |
| 27 | $580.67 |
| 30 | $628.87 |
| 40 | $708.10 |
| 50 | $989.57 |
| 60 | $1503.75 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,300
- Family deductible: $12,600
- Individual out-of-pocket max: $8,400
- Family out-of-pocket max: $16,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $655.70/mo. This plan is $708.10/mo at 40 — a difference of $52.40/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 Morgan County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Statewide Silver EPO | Blue Cross and Blue Shield of Alabama | $639.41 |
| Blue Standardized Statewide Silver EPO | Blue Cross and Blue Shield of Alabama | $655.70 |
| Blue Cross Select Silver | Blue Cross and Blue Shield of Alabama | $657.46 |
| Blue Standardized Silver | Blue Cross and Blue Shield of Alabama | $662.33 |
| UHC Silver Standard (No Referrals) | UnitedHealthcare | $682.98 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 53932AL0100005 in FIPS 01103.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Morgan County
Reviewed by Jason Burns, Editorial Steward.