Health insurance prices in Alabama (2026)
54 marketplace plans from 4 insurers across 67 counties. Official marketplace: HealthCare.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $366–$736 (typical $509) · Silver $583–$1,124 (typical $688) · Gold $657–$1,230 (typical $791) · Catastrophic $381–$437 (typical $417)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 67) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of AlabamaIndependent Blue Cross Blue Shield company | 67 | 14 | $416 | $472 | $657 | $846 | Blue Saver Bronze |
| UnitedHealthcareUnitedHealth Group | 56 | 13 | $366 | $452 | $700 | $771 | UHC Bronze Essential (No Referrals) |
| Ambetter (Centene) | 40 | 18 | $488 | $557 | $709 | $771 | Everyday Bronze |
| Oscar Health | 5 | 9 | $548 | $615 | $758 | $838 | Bronze Classic Standard |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $366 | $509 | $736 | 17 | $7,500 | $10,150 | $16,259 |
| Silver | $583 | $688 | $1,124 | 21 | $5,000 | $8,900 | $17,359 |
| Gold | $657 | $791 | $1,230 | 15 | $850 | $7,500 | $16,807 |
| CatastrophicUnder 30 or hardship exemption only | $381 | $417 | $437 | 1 | $10,600 | $10,600 | $15,610 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Alabama
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Autauga County | 1 | 12 | $442 | $445 | $637 |
| Baldwin County | 3 | 43 | $441 | $489 | $665 |
| Barbour County | 3 | 43 | $441 | $489 | $665 |
| Bibb County | 2 | 27 | $441 | $476 | $702 |
| Blount County | 2 | 27 | $441 | $476 | $702 |
| Bullock County | 3 | 43 | $441 | $489 | $665 |
| Butler County | 1 | 12 | $456 | $459 | $657 |
| Calhoun County | 2 | 25 | $366 | $405 | $617 |
| Chambers County | 3 | 43 | $441 | $489 | $665 |
| Cherokee County | 2 | 25 | $441 | $467 | $719 |
| Chilton County | 2 | 27 | $441 | $476 | $702 |
| Choctaw County | 3 | 43 | $441 | $489 | $665 |
| Clarke County | 2 | 25 | $441 | $467 | $719 |
| Clay County | 2 | 25 | $441 | $467 | $719 |
| Cleburne County | 3 | 43 | $441 | $489 | $665 |
| Coffee County | 3 | 43 | $441 | $489 | $665 |
| Colbert County | 3 | 43 | $414 | $497 | $685 |
| Conecuh County | 2 | 25 | $441 | $467 | $719 |
| Coosa County | 2 | 25 | $441 | $467 | $719 |
| Covington County | 2 | 30 | $456 | $497 | $657 |
| Crenshaw County | 1 | 12 | $456 | $459 | $657 |
| Cullman County | 3 | 43 | $441 | $489 | $665 |
| Dale County | 2 | 25 | $441 | $467 | $719 |
| Dallas County | 2 | 30 | $456 | $497 | $657 |
| DeKalb County | 3 | 43 | $441 | $489 | $665 |
| Elmore County | 1 | 12 | $442 | $445 | $637 |
| Escambia County | 3 | 43 | $441 | $489 | $665 |
| Etowah County | 3 | 43 | $392 | $474 | $661 |
| Fayette County | 2 | 25 | $441 | $467 | $719 |
| Franklin County | 3 | 43 | $441 | $489 | $665 |
| Geneva County | 3 | 43 | $423 | $477 | $665 |
| Greene County | 2 | 25 | $396 | $419 | $646 |
| Hale County | 2 | 25 | $396 | $419 | $646 |
| Henry County | 3 | 43 | $423 | $477 | $665 |
| Houston County | 3 | 43 | $423 | $477 | $665 |
| Jackson County | 3 | 43 | $441 | $489 | $665 |
| Jefferson County | 4 | 54 | $441 | $526 | $717 |
| Lamar County | 1 | 12 | $456 | $459 | $657 |
| Lauderdale County | 3 | 43 | $414 | $497 | $685 |
| Lawrence County | 3 | 43 | $420 | $497 | $702 |
| Lee County | 3 | 43 | $477 | $562 | $734 |
| Limestone County | 4 | 52 | $475 | $547 | $731 |
| Lowndes County | 2 | 30 | $442 | $525 | $688 |
| Macon County | 2 | 25 | $441 | $467 | $719 |
| Madison County | 4 | 52 | $475 | $547 | $731 |
| Marengo County | 2 | 25 | $441 | $467 | $719 |
| Marion County | 3 | 43 | $441 | $489 | $665 |
| Marshall County | 3 | 43 | $441 | $489 | $665 |
| Mobile County | 3 | 43 | $389 | $490 | $652 |
| Monroe County | 1 | 12 | $456 | $459 | $657 |
| Montgomery County | 2 | 30 | $442 | $525 | $688 |
| Morgan County | 3 | 43 | $420 | $497 | $702 |
| Perry County | 3 | 43 | $441 | $489 | $665 |
| Pickens County | 3 | 43 | $441 | $489 | $665 |
| Pike County | 2 | 25 | $441 | $467 | $719 |
| Randolph County | 3 | 43 | $441 | $489 | $665 |
| Russell County | 3 | 43 | $477 | $571 | $745 |
| Shelby County | 4 | 54 | $441 | $526 | $717 |
| St. Clair County | 2 | 27 | $441 | $476 | $702 |
| Sumter County | 3 | 43 | $441 | $489 | $665 |
| Talladega County | 3 | 43 | $441 | $489 | $665 |
| Tallapoosa County | 2 | 25 | $441 | $467 | $719 |
| Tuscaloosa County | 2 | 25 | $396 | $419 | $646 |
| Walker County | 4 | 54 | $441 | $526 | $717 |
| Washington County | 3 | 43 | $441 | $489 | $665 |
| Wilcox County | 1 | 12 | $456 | $459 | $657 |
| Winston County | 2 | 25 | $441 | $467 | $719 |
To compare insurance plans side by side (or with health sharing), open your county.