Alabama Health Insurance (2026)
ACA marketplace health insurance rates, Medicaid eligibility, and top insurers in Alabama. Rates shown before premium tax credits — most buyers qualify for subsidies.
Silver Premium
$620/mo
Age 40, before credits
Avg Deductible
$4,200
Silver plan
Medicaid
Not Expanded
Gap may exist
Insurers
3
On marketplace
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Top Health Insurers in Alabama
1
Compare PlansBlue Cross Blue Shield
Nationwide network
Avg Monthly
$480
Network
Very Large
Rating
4.5/5
2
Compare PlansUnitedHealthcare
Employer plans
Avg Monthly
$510
Network
Large
Rating
4.3/5
3
Compare PlansAetna
CVS integration
Avg Monthly
$495
Network
Large
Rating
4.2/5
4
Compare PlansCigna
Mental health coverage
Avg Monthly
$490
Network
Large
Rating
4.2/5
5
Compare PlansKaiser Permanente
Integrated care
Avg Monthly
$440
Network
Regional
Rating
4.7/5
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Enrollment Requirements & Key Dates
- •Open Enrollment: Nov 1 – Jan 15 annually
- •Special Enrollment triggered by qualifying life events
- •Income between 100–400% FPL qualifies for ACA subsidies
Alabama Health Insurance Facts
Alabama did not expand Medicaid, leaving 300,000 residents in a coverage gap.
HealthMarkets and Ambetter are major marketplace options.
Average silver plan premium is above the national average.
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