Blue Saver Silver EPO — full price in Saint Clair County, Alabama (2026)
Blue Saver Silver EPO (46944AL0710001), a silver plan from Blue Cross and Blue Shield of Alabama in Saint Clair County, Alabama, costs $625.08/month full price for a 40-year-old in 2026 — $1327.44 at 60, with a $4,000 deductible and $9,450 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 46944AL0710001 · Issuer: Blue Cross and Blue Shield 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 | $489.11 |
| 27 | $512.59 |
| 30 | $555.14 |
| 40 | $625.08 |
| 50 | $873.55 |
| 60 | $1327.44 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,000
- Family deductible: $8,000
- Individual out-of-pocket max: $9,450
- Family out-of-pocket max: $18,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $652.44/mo. This plan is $625.08/mo at 40 — a difference of $-27.36/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 Saint Clair County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Standardized Silver EPO | Blue Cross and Blue Shield of Alabama | $652.44 |
| Blue Statewide Silver EPO | Blue Cross and Blue Shield of Alabama | $662.60 |
| Blue Standardized Statewide Silver EPO | Blue Cross and Blue Shield of Alabama | $679.49 |
| Blue Cross Select Silver | Blue Cross and Blue Shield of Alabama | $681.30 |
| Blue Standardized Silver | Blue Cross and Blue Shield of Alabama | $686.35 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 46944AL0710001 in FIPS 01115.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Saint Clair County
Reviewed by Jason Burns, Editorial Steward.