UnitedHealthcare
UHC Bronze Essential
Premium, age 40$484to $886 a month
Deductible$11,750$23,500 family
Out-of-pocket max$11,750$23,500 family
Having a baby$11,260CMS example
$0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals
UnitedHealthcare
UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals)
Monthly premium, age 40
From $840
Up to $1,538 by area · before subsidies
Prices by age
Find a doctor in this plan
Summary of Benefits (PDF)
Plan ID69461AL0120002
Plan year2027Sold on HealthCare.gov
Plan typeEPONo referral needed
Metal levelGoldNot HSA-eligible
Sold in56 countiesof 67 in Alabama
Deductible$750$1,500 family
Out-of-pocket max$8,000$16,000 family
Primary care visit$20in network
Generic drugs$5per prescription
10,297 Alabama doctors and facilities in this plan's network · Directory updated Nov 4, 2026 · Premiums are full prices before subsidies (premium tax credits). NPI Profile does not sell insurance; HealthCare.gov lists premiums and handles enrollment.
Find a doctor in this plan
Where do you want to see a doctor?
What kind of doctor in ?
Loading doctors...
Listed in UnitedHealthcare's provider directory. Directories can be out of date, so call the office to confirm they take this plan.
What you pay with this plan
In-network costs for one person, from the CMS plan files for 2027. "After deductible" means you pay the full cost until you reach the $750 deductible.
Doctor visits
- Primary care visit
- $20
- Specialist visit
- $75
- Nurse practitioner or PA visit
- 35% after deductible
- Preventive care and vaccines
- Free
- Urgent care
- $30
Prescription drugs
- Generic drugsLimit: 30 days a month
- $5
- Preferred brand drugsLimit: 30 days a month
- $50
- Non-preferred brand drugsLimit: 30 days a month
- 30% after deductible
- Specialty drugsLimit: 30 days a month
- 40% after deductible
Tests and imaging
- Lab work
- $20
- X-rays
- $65 after deductible
- MRI, CT and PET scans
- $350 after deductible
Emergencies and hospital
- Emergency room
- $500 after deductible
- Ambulance
- $500 after deductible
- Hospital stay
- 35% after deductible
- Outpatient surgery (facility)
- $600 after deductible
Mental health
- Therapy and counseling visits
- $20
- Inpatient mental health care
- 35% after deductible
Pregnancy
- Prenatal and postnatal care
- Free
- Delivery and hospital stay
- 35% after deductible
Other care
- Physical and occupational therapyLimit: 30 visits a year
- $75 after deductible
- Chiropractic careLimit: 12 visits a year
- 35% after deductible
- Eye exam for childrenLimit: 1 exam a year
- Free
- Glasses for childrenLimit: 1 item a year
- 35% after deductible
- Adult dentalLimit: 2 exams a year
- Free
$4,310Having a baby (CMS example)
$500Managing type 2 diabetes for a year
$2,060A simple fracture
Every service in the plan file (67)
| Service | You pay | Limits and notes |
|---|---|---|
| Abortion for Which Public Funding is Prohibited | Not covered | |
| Accidental Dental | 35% after deductible | |
| Acupuncture | Not covered | |
| Allergy Testing | 35% after deductible | |
| Bariatric Surgery | Not covered | |
| Basic Dental Care - Adult | 50% | $1,000 a year |
| Basic Dental Care - Child | 35% after deductible | |
| Chemotherapy | $500 after deductible | |
| Chiropractic Care | 35% after deductible | 12 visits a year |
| Cosmetic Surgery | Not covered | |
| Delivery and All Inpatient Services for Maternity Care | 35% after deductible | |
| Dental Check-Up for Children | Free | 2 exams a year |
| Diabetes Education | 35% after deductible | |
| Dialysis | $300 after deductible | |
| Durable Medical Equipment | 35% after deductible | |
| Emergency Room Services | $500 after deductible | |
| Emergency Transportation/Ambulance | $500 after deductible | |
| Eye Glasses for Children | 35% after deductible | 1 item a year |
| Generic Drugs | $5 | 30 days a month |
| Habilitation Services | $75 after deductible | |
| Hearing Aids | Not covered | |
| Home Health Care Services | 35% after deductible | |
| Hospice Services | 35% after deductible | |
| Imaging (CT/PET Scans, MRIs) | $350 after deductible | |
| Infertility Treatment | Not covered | |
| Infusion Therapy | $100 after deductible | |
| Inpatient Hospital Services (e.g., Hospital Stay) | 35% after deductible | |
| Inpatient Physician and Surgical Services | 35% after deductible | |
| Laboratory Outpatient and Professional Services | $20 | |
| Long-Term/Custodial Nursing Home Care | Not covered | |
| Major Dental Care - Adult | 50% | $1,000 a year |
| Major Dental Care - Child | 35% after deductible | |
| Mental/Behavioral Health Inpatient Services | 35% after deductible | |
| Mental/Behavioral Health Outpatient Services | $20 | |
| Non-Preferred Brand Drugs | 30% after deductible | 30 days a month |
| Nutritional Counseling | Not covered | |
| Orthodontia - Adult | Not covered | |
| Orthodontia - Child | 50% after deductible | |
| Other Practitioner Office Visit (Nurse, Physician Assistant) | 35% after deductible | |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) | $600 after deductible | |
| Outpatient Rehabilitation Services | $75 after deductible | 30 visits a year |
| Outpatient Surgery Physician/Surgical Services | $300 after deductible | |
| Preferred Brand Drugs | $50 | 30 days a month |
| Prenatal and Postnatal Care | Free | |
| Preventive Care/Screening/Immunization | Free | |
| Primary Care Visit to Treat an Injury or Illness | $20 | |
| Private-Duty Nursing | Not covered | |
| Prosthetic Devices | 35% after deductible | |
| Radiation | $150 after deductible | |
| Reconstructive Surgery | $600 after deductible | |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | $75 after deductible | 30 visits a year |
| Rehabilitative Speech Therapy | $75 after deductible | 30 visits a year |
| Routine Dental Services (Adult) | Free | 2 exams a year |
| Routine Eye Exam (Adult) | Free | 1 exam a year |
| Routine Eye Exam for Children | Free | 1 exam a year |
| Routine Foot Care | Not covered | |
| Skilled Nursing Facility | 35% after deductible | |
| Specialist Visit | $75 | |
| Specialty Drugs | 40% after deductible | 30 days a month |
| Substance Abuse Disorder Inpatient Services | 35% after deductible | |
| Substance Abuse Disorder Outpatient Services | $20 | |
| Transplant | 35% after deductible | |
| Treatment for Temporomandibular Joint Disorders | Not covered | |
| Urgent Care Centers or Facilities | $30 | |
| Weight Loss Programs | Not covered | |
| Well Baby Visits and Care | Free | |
| X-rays and Diagnostic Imaging | $65 after deductible |
How this plan works
EPO: Only doctors and hospitals in the network are covered, except emergencies. Referrals are usually not needed.
- Referral for specialists
- Not required
- Coinsurance
- 35% after the deductible
- Works with an HSA
- No
- Network
- Individual Exchange Benefit Plan Network (ALN011)
- Sold in
- 56 Alabama counties
Summary of Benefits and Coverage (PDF) Plan brochure Covered drugs (formulary)
Other UnitedHealthcare plans on the same network
The same doctors and hospitals, with different costs.
UnitedHealthcare
UHC Bronze Standard
Premium, age 40$499to $914 a month
Deductible$7,500$15,000 family
Out-of-pocket max$12,000$24,000 family
Having a baby$9,360CMS example
HSA, $0 Insulin, No Referrals
UnitedHealthcare
UHC Bronze Standard+
Premium, age 40$516to $944 a month
Deductible$7,500$15,000 family
Out-of-pocket max$12,000$24,000 family
Having a baby$9,360CMS example
HSA, $0 Insulin, Dental + Vision, No Referrals
UnitedHealthcare
UHC Bronze Copay Focus $0 Indiv Med Ded
Premium, age 40$547to $1,002 a month
Deductible$0$0 family
Out-of-pocket max$12,000$24,000 family
Having a baby$3,660CMS example
$0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals
UnitedHealthcare
UHC Bronze Copay Focus+ $0 Indiv Med Ded
Premium, age 40$564to $1,033 a month
Deductible$0$0 family
Out-of-pocket max$12,000$24,000 family
Having a baby$3,660CMS example
$0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision, No Referrals
UnitedHealthcare
UHC Silver Standard
Premium, age 40$736to $1,348 a month
Deductible$6,400$12,800 family
Out-of-pocket max$10,300$20,600 family
Having a baby$8,360CMS example
$0 Insulin, No Referrals
UnitedHealthcare
UHC Silver Standard-
Premium, age 40$737to $1,348 a month
Deductible$6,400$12,800 family
Out-of-pocket max$10,300$20,600 family
Having a baby$8,360CMS example
$0 Insulin, No Referrals
UnitedHealthcare
UHC Silver Value
Premium, age 40$747to $1,368 a month
Deductible$3,500$7,000 family
Out-of-pocket max$10,000$20,000 family
Having a baby$6,560CMS example
$0 Virtual Urgent Care, $0 Insulin, No Referrals
UnitedHealthcare
UHC Silver Copay Focus $0 Indiv Med Ded
Premium, age 40$754to $1,381 a month
Deductible$0$0 family
Out-of-pocket max$11,500$23,000 family
Having a baby$3,160CMS example
$0 Virtual Urgent Care, $0 Insulin, No Referrals
UnitedHealthcare
UHC Silver Value+
Premium, age 40$764to $1,398 a month
Deductible$3,500$7,000 family
Out-of-pocket max$10,000$20,000 family
Having a baby$6,560CMS example
$0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals
UnitedHealthcare
UHC Silver Copay Focus+ $0 Indiv Med Ded
Premium, age 40$771to $1,412 a month
Deductible$0$0 family
Out-of-pocket max$11,500$23,000 family
Having a baby$3,160CMS example
$0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals
UnitedHealthcare
UHC Gold Standard
Premium, age 40$799to $1,462 a month
Deductible$2,500$5,000 family
Out-of-pocket max$8,600$17,200 family
Having a baby$4,760CMS example
$0 Insulin, No Referrals
UnitedHealthcare
UHC Gold Advantage
Premium, age 40$824to $1,508 a month
Deductible$750$1,500 family
Out-of-pocket max$8,000$16,000 family
Having a baby$4,310CMS example
$0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals
UnitedHealthcare
UHC Gold Copay Focus $0 Ded
Premium, age 40$842to $1,542 a month
Deductible$0$0 family
Out-of-pocket max$7,900$15,800 family
Having a baby$2,460CMS example
$0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals
UnitedHealthcare
UHC Gold Copay Focus+ $0 Ded
Premium, age 40$859to $1,572 a month
Deductible$0$0 family
Out-of-pocket max$7,900$15,800 family
Having a baby$2,460CMS example
$0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals
Questions about UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals)
Does UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) cover my doctor?
Use "Find a doctor in this plan" on this page: choose the city, then the kind of doctor. The list shows providers UnitedHealthcare lists in this plan's network for 2027. Directories can be out of date, so call the office to confirm before your visit.
What kind of plan is UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals)?
It is an EPO plan: only doctors and hospitals in the network are covered, except emergencies. Referrals are usually not needed. It is a Gold plan.
How much is a doctor visit with UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals)?
A primary care visit costs $20. A specialist visit costs $75. These are in-network costs for one person. "After deductible" means you pay the full cost until you reach the $750 deductible.
Where is UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) sold?
It is sold to people who live in 56 Alabama counties, through HealthCare.gov. UnitedHealthcare's directory can also list providers outside these counties, such as pharmacies and specialists, but the plan itself is only for people who live in its area.
How much does UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) cost a month?
Before subsidies (premium tax credits), UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) costs $840 to $1,538 a month for a 40-year-old in 2027, depending on where in Alabama you live. A 21-year-old pays $657 to $1,204 and someone 64 or older $1,972 to $3,611. Tobacco users pay more. Most people who enroll through HealthCare.gov qualify for a subsidy (premium tax credit) that lowers the monthly price, and HealthCare.gov shows your price after any subsidy.
About this data
These pages combine public files from CMS and from insurers. NPI Profile does not contract with insurers and does not decide who is in network.
| Source | What it provides here | Source date |
|---|---|---|
| CMS Marketplace public use files (Plan Attributes, Benefits and Cost Sharing, Rate, Service Area) | This plan's premiums, costs, covered services, coverage examples and the counties where it is sold | Plan year 2027 |
| UnitedHealthcare's provider directory | The doctors and facilities listed in this plan's network. Only providers with an address in Alabama are counted. | Updated November 4, 2026 |
| NPPES NPI registry | Provider names, practice addresses and primary specialties | Matched November 10, 2026 |
- Costs are for the standard version of the plan, for one person, in network. People who qualify for cost-sharing reductions pay less.
- Premiums are the full monthly price before subsidies (premium tax credits). They depend on age, tobacco use and where you live (the plan's rating area). HealthCare.gov shows your price after any subsidy.
- Confirm costs in the plan documents and with the insurer, and confirm with the doctor's office that they take this plan.
