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SilverEPO

UHC Silver Value ($0 Virtual Urgent Care, No Referrals)

UnitedHealthcare

Starting at

$598

/month before subsidy

Key facts

UHC Silver Value ($0 Virtual Urgent Care, No Referrals) is a 2026 Silver EPO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in Alabama under plan ID 69461AL0110004. The monthly premium starts at $598 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,500 ($7,000 for a family), and the individual out-of-pocket maximum is $8,900 ($17,800 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.

Plan ID
69461AL0110004
Plan year
2026
State
Alabama
Metal level
Silver
Plan type
EPO
HSA-eligible
No

Individual Deductible

$3,500

Family: $7,000

Out-of-Pocket Max

$8,900

Family: $17,800

Coinsurance

40%

You pay after deductible

Network Type

EPO

ALN011

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care Visit$30.00
Specialist Visit$100.00
Urgent Care$100.00
Emergency Room40.00% Coinsurance after deductible

Prescription Drugs

Generic Drugs$15.00
Brand Name Drugs40.00% Coinsurance after deductible
Specialty Drugs50.00% Coinsurance after deductible
CMS Quality Rating
The federal government's star rating for this plan, based on clinical data and member surveys — the same rating shown on HealthCare.gov.
2.0overall
Medical care

How well doctors manage and coordinate care

Member experience
Not rated

Member-survey satisfaction with the plan

Plan administration

Customer service, billing, and access to information

What you'd typically pay
Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$6,560

your estimated cost

Deductible
$3,500
Copays
$400
Coinsurance
$2,600

Managing type 2 diabetes

A year of routine care

$600

your estimated cost

Deductible
$200
Copays
$400
Coinsurance
$0

A simple fracture

ER visit + follow-up

$2,700

your estimated cost

Deductible
$2,500
Copays
$200
Coinsurance
$0
Is your medication or doctor covered?
Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.
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Official Plan Documents
Published by UnitedHealthcare. These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

This Silver EPO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.

Consider this plan if you:

  • Visit the doctor a few times per year
  • Take regular prescription medications
  • Want moderate protection against high medical bills
  • May qualify for Cost-Sharing Reductions (CSR) to lower deductibles

This summary is generated based on plan attributes for educational purposes only.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,340/month

Annual Premium

$7,176

OOP Maximum

$8,900

💡 What this means:

With a $3,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $8,900 total. Then insurance covers everything else for the year.

More plans from UnitedHealthcare in Alabama

View all Marketplace plans in Alabama

Frequently asked questions about UHC Silver Value ($0 Virtual Urgent Care, No Referrals)

How much does UHC Silver Value ($0 Virtual Urgent Care, No Referrals) cost per month?

UHC Silver Value ($0 Virtual Urgent Care, No Referrals) from UnitedHealthcare starts at $598 per month before any subsidy in Alabama. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.

What is the deductible for UHC Silver Value ($0 Virtual Urgent Care, No Referrals)?

The individual medical deductible is $3,500, and the family deductible is $7,000. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.

What is the out-of-pocket maximum for UHC Silver Value ($0 Virtual Urgent Care, No Referrals)?

The most you would pay in a year for covered in-network care is $8,900 for an individual and $17,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is UHC Silver Value ($0 Virtual Urgent Care, No Referrals) HSA-eligible?

No. UHC Silver Value ($0 Virtual Urgent Care, No Referrals) is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.

What type of network does UHC Silver Value ($0 Virtual Urgent Care, No Referrals) use?

UHC Silver Value ($0 Virtual Urgent Care, No Referrals) is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.

Understand what you'd actually pay

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Important Notice

Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.