Blue Value Gold — full price in Shelby County, Alabama (2026)
Blue Value Gold (46944AL0370001), a gold plan from Blue Cross and Blue Shield of Alabama in Shelby County, Alabama, costs $924.66/month full price for a 40-year-old in 2026 — $1963.63 at 60, with a $750 deductible and $6,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 46944AL0370001 · 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 | $723.52 |
| 27 | $758.25 |
| 30 | $821.20 |
| 40 | $924.66 |
| 50 | $1292.21 |
| 60 | $1963.63 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $750
- Family deductible: $1,500
- Individual out-of-pocket max: $6,000
- Family out-of-pocket max: $12,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $652.44/mo. This plan is $924.66/mo at 40 — a difference of $272.22/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 gold plans in Shelby County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter of Alabama | $710.67 |
| Standard Gold + Vision + Adult Dental | Ambetter of Alabama | $739.56 |
| Complete Gold | Ambetter of Alabama | $749.73 |
| Complete Gold + Vision + Adult Dental | Ambetter of Alabama | $780.21 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $790.31 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 46944AL0370001 in FIPS 01117.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Shelby County
Reviewed by Jason Burns, Editorial Steward.