Health insurance prices in Madison County, AL (2026)
52 marketplace plans from 4 insurers. Cheapest plan $475/mo; typical Silver $731/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
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). Rating Area 9.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $475–$657 (typical $547) · Silver $666–$812 (typical $731) · Gold $740–$929 (typical $852) · Catastrophic $435–$435 (typical $435)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of AlabamaIndependent Blue Cross Blue Shield company | 12 | $475 | $478 | $685 | $884 | Blue Saver Bronze | |
| Oscar Health | 9 | $548 | $563 | $708 | $779 | Bronze Classic Standard | |
| Ambetter (Centene) | 18 | $546 | $569 | $735 | $796 | Everyday Bronze | |
| UnitedHealthcareUnitedHealth Group | 13 | $480 | $518 | $792 | $875 | UHC Bronze Essential (No Referrals) |
All 52 plans in Madison County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Alabama | Blue Protect | Catastrophic | PPO | $435 | $10,600 | $10,600 | $15,817 | |
| Blue Cross and Blue Shield of Alabama | Blue Saver Bronze | Expanded Bronze | PPO | $475 | $8,500 | $10,600 | $16,296 | |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Bronze | Expanded Bronze | PPO | $478 | $7,500 | $10,000 | $15,739 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | EPO | $480 | $10,600 | $10,600 | $16,358 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | EPO | $508 | $7,500 | $10,000 | $16,100 | |
| Blue Cross and Blue Shield of Alabama | Blue HSA Bronze | Expanded Bronze | PPO | $518 | $7,200 | $7,200 | $13,414 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | EPO | $528 | $7,500 | $10,000 | $16,342 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | EPO | $532 | $0 | $10,600 | $16,979 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | EPO | $546 | $8,450 | $10,150 | $16,707 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | EPO | $547 | $7,500 | $10,000 | $16,564 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $548 | $7,500 | $10,000 | $16,578 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $558 | $4,700 | $9,800 | $16,495 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $569 | $8,450 | $10,150 | $16,974 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | EPO | $569 | $5,500 | $10,150 | $16,976 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $569 | $7,500 | $10,000 | $16,831 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $599 | $0 | $10,600 | $17,789 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | EPO | $631 | $0 | $10,500 | $18,071 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $657 | $0 | $10,500 | $18,379 | |
| Blue Cross and Blue Shield of Alabama | Blue Statewide Silver EPO | Silver | EPO | $666 | $3,500 | $9,450 | $17,441 | |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Statewide Silver EPO | Silver | EPO | $683 | $6,000 | $8,900 | $17,095 | |
| Blue Cross and Blue Shield of Alabama | Blue Cross Select Silver | Silver | PPO | $685 | $5,000 | $10,600 | $18,817 | |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Silver | Silver | PPO | $690 | $6,000 | $8,900 | $17,177 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $702 | $6,000 | $8,900 | $17,324 | |
| Oscar Health | Silver Simple | Silver | EPO | $708 | $6,300 | $9,300 | $17,793 | |
| Oscar Health | Silver Simple Chronic Care CKM | Silver | EPO | $708 | $5,900 | $10,150 | $18,649 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $709 | $6,000 | $8,900 | $17,411 | |
| Ambetter (Centene) | Focused Silver | Silver | EPO | $717 | $6,300 | $8,400 | $17,009 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $731 | $5,000 | $8,650 | $17,422 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $738 | $6,000 | $8,900 | $17,757 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $740 | $2,000 | $8,200 | $17,076 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | EPO | $747 | $6,300 | $8,400 | $17,359 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $761 | $5,000 | $8,650 | $17,779 | |
| Blue Cross and Blue Shield of Alabama | Blue Value Silver | Silver | PPO | $765 | $3,700 | $10,600 | $19,778 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $770 | $2,000 | $8,200 | $17,437 | |
| Oscar Health | Gold Simple | Gold | EPO | $777 | $3,300 | $9,950 | $19,268 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $780 | $1,450 | $7,500 | $16,863 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | EPO | $781 | $6,000 | $8,900 | $18,268 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $781 | $2,000 | $8,200 | $17,576 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $784 | $3,500 | $8,900 | $18,313 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $792 | $0 | $10,150 | $19,654 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | $805 | $3,500 | $8,900 | $18,555 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $812 | $1,450 | $7,500 | $17,244 | |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | $812 | $0 | $10,150 | $19,896 | |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Gold | Gold | PPO | $842 | $2,000 | $8,200 | $18,304 | |
| Ambetter (Centene) | Elite Gold | Gold | EPO | $852 | $0 | $6,500 | $16,722 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | EPO | $861 | $2,000 | $8,200 | $18,530 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | EPO | $864 | $750 | $8,000 | $18,369 | |
| Blue Cross and Blue Shield of Alabama | Blue Cross Select Gold | Gold | PPO | $884 | $850 | $6,000 | $16,611 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | EPO | $885 | $750 | $8,000 | $18,622 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | EPO | $886 | $0 | $6,500 | $17,138 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | EPO | $889 | $0 | $7,000 | $17,669 | |
| Blue Cross and Blue Shield of Alabama | Blue Value Gold | Gold | PPO | $929 | $750 | $6,000 | $17,151 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $475 | $547 | $657 | 17 | $7,500 | $10,150 | $16,578 |
| Silver | $666 | $731 | $812 | 19 | $5,900 | $8,900 | $17,779 |
| Gold | $740 | $852 | $929 | 15 | $1,450 | $8,000 | $17,437 |
| CatastrophicUnder 30 or hardship exemption only | $435 | $435 | $435 | 1 | $10,600 | $10,600 | $15,817 |
* 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.