Elite Bronze + Vision + Adult Dental — full price in Morgan County, Alabama (2026)
Elite Bronze + Vision + Adult Dental (53932AL0110014), a expanded bronze plan from Ambetter of Alabama in Morgan County, Alabama, costs $648.02/month full price for a 40-year-old in 2026 — $1376.16 at 60, with a $0 deductible and $10,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 53932AL0110014 · 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 | $507.07 |
| 27 | $531.40 |
| 30 | $575.51 |
| 40 | $648.02 |
| 50 | $905.61 |
| 60 | $1376.16 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,500
- Family out-of-pocket max: $21,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $655.70/mo. This plan is $648.02/mo at 40 — a difference of $-7.68/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 expanded bronze plans in Morgan County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Bronze Standard (No Referrals) | UnitedHealthcare | $444.73 |
| Blue Saver Bronze | Blue Cross and Blue Shield of Alabama | $455.79 |
| Blue Standardized Bronze | Blue Cross and Blue Shield of Alabama | $459.21 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) | UnitedHealthcare | $462.38 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | UnitedHealthcare | $465.11 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 53932AL0110014 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.