Health Insurance Plans in Alabama
Browse ACA Marketplace plans available to Alabama residents on the federal exchange. 53 plans available for 2026. Starting from $391/month.
Lowest Monthly Premium
$391/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$488/mo
17 plans available
Avg Silver (Benchmark)
$637/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Birmingham, AL
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$488/mo avg
from $391 – $613
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$637/mo avg
from $555 – $724
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$728/mo avg
from $631 – $821
Lowest-Premium Plans Available
Sample plans near Birmingham — enter your ZIP for exact results
UHC Bronze Essential (No Referrals)
UnitedHealthcare
$391/mo
Ded: $10,600
UHC Bronze Standard (No Referrals)
UnitedHealthcare
$414/mo
Ded: $7,500
Blue Saver Bronze
Blue Cross and Blue Shield of Alabama
$419/mo
Ded: $8,500
Blue Standardized Bronze
Blue Cross and Blue Shield of Alabama
$423/mo
Ded: $7,500
UHC Bronze Standard+ (Dental + Vision, No Referrals)
UnitedHealthcare
$431/mo
Ded: $7,500
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
UnitedHealthcare
$433/mo
Ded: $0
Blue HSA Bronze
Blue Cross and Blue Shield of Alabama
$458/mo
Ded: $7,200
Everyday Bronze
Ambetter of Alabama
$466/mo
Ded: $8,450
Standard Expanded Bronze
Ambetter of Alabama
$467/mo
Ded: $7,500
Everyday Bronze + Vision + Adult Dental
Ambetter of Alabama
$485/mo
Ded: $8,450
Prices shown are for a 30-year-old near Birmingham without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Alabama?
Approximately 53 ACA Marketplace plans are available in Alabama for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Alabama?
For a 30-year-old without subsidies, the cheapest plan near Birmingham starts at about $391/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Alabama use HealthCare.gov?
Yes — Alabama is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Alabama averages $637/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Alabama
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.