UHC Silver Standard (No Referrals) — full price in Saint Clair County, Alabama (2026)
UHC Silver Standard (No Referrals) (69461AL0110014), a silver plan from UnitedHealthcare in Saint Clair County, Alabama, costs $716.69/month full price for a 40-year-old in 2026 — $1521.99 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69461AL0110014 · 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 | $560.79 |
| 27 | $587.71 |
| 30 | $636.50 |
| 40 | $716.69 |
| 50 | $1001.58 |
| 60 | $1521.99 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- 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 $652.44/mo. This plan is $716.69/mo at 40 — a difference of $64.25/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 Saver Silver EPO | Blue Cross and Blue Shield of Alabama | $625.08 |
| 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 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69461AL0110014 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.