2021 Affordable Health Insurance Plans in Alabama

If you’re looking to get health insurance in Alabama, it’s never been easier. You can see plans and prices through the federally facilitated Affordable Care Act-associated marketplace on healthcare.gov. As with other states, the special enrollment period has been extended to August 15th due to COVID-19. 

Highlights and Updates

  • Alabama has a federally facilitated marketplace. Residents enroll through healthcare.gov 
  • The 2021 Benefits Special Enrolment Period (SEP) is from February 15- August 15, 2021. (Benefits effective retroactively from March 1st, 2021) 
  • Alabama’s short-term health insurance is available for up to 36 months
  • The average benchmark premium for health insurance in Alabama is $590.
  • Alabama has two health care insurers through the federal marketplace: Blue Cross and Blue Shield of Alabama and Bright Health Insurance Company. Bright Health Insurance Company is only available if you reside in Chilton, Jefferson, Shelby, or Walker. 
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How to Buy Health Insurance in Alabama 

If you don’t receive health insurance from the federal government or an employer, you can purchase a plan on the federal exchange. Insurance is broken down into three main metal tiers: Bronze, Silver, and Gold. The prices vary, but all essential services are covered regardless of the plan chosen. The monthly premiums become more expensive as you go to higher tiers, but more services are covered. For low-income residents, health insurance is issued through Medicaid. 

How To Apply For Health Insurance in Alabama

Applying for health insurance is simple. Visit the federal marketplace, enter your data and browse the plans. Depending on the tier level you choose, prices will vary, but you’re guaranteed the same essential services no matter which plan you choose. 

Health Insurance Carriers In Alabama

Alabama has only two Health Insurance companies in the Federal marketplace: Blue Cross and Blue Shield of Alabama and Bright Health Insurance Company, but the latter is only available if you reside in Chilton, Jefferson, Shelby, or Walker. 

What Are The Cheapest Health Insurance Companies in Alabama?

Given how limited the choices are for ACA-affiliated insurance in Alabama. Blue Cross and Blue Shield seem to have the most reasonably priced and wildly available options. However, Bright also has many attractive options for residents of the counties they operate in. 

How Has Obamacare Helped Alabama’s Uninsured?

This year, 169,119 people enrolled in market plans through the Alabama marketplace, an uptick from the year before, and enrollment had dipped during the Trump era. The program hit its peak in 2016 when 195,055 people enrolled. (Source)

Alabama Health Insurance Costs Overview

There are three main metal tiers for health insurance in Alabama: Bronze, Silver, and Gold.

How Much Does Health Insurance Cost in Alabama?

According to the KFF, the average benchmark premium in Alabama is $590 in the year 2021. 

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What is the Cheapest Health Insurance Plan in Alabama?

The cheapest health insurance plan in Alabama is Blue HSA Bronze, with premiums roughly $394.60, with a $7000 deductible and a $7000 out-of-pocket maximum.

Cheapest Alabama Health Insurance Coverage by Metal Tier

Gold Plans

Blue Cross Select Gold ranks as the most affordable Gold plan. The premium is $658.45 a month. The deductible is only $850, and the out-of-pocket maximum is $6000.

Silver Plans

Blue Cross Select Silver is the cheapest Silver plan, with a deductible of $540.56. The deductible is $3700, and the out-of-pocket maximum is $8,150.

Bronze Plans

For a Bronze plan, the most affordable is Blue HSA Bronze, with premiums of $394.60, a $7000 deductible, and a $7000 out-of-pocket maximum.

Alabama Health Insurance Costs by Occupation

What Is the Average Cost of Health Insurance for a Student in Alabama?

Alabama students have options when it comes to health care. They can either sign up for a school-sponsored plan, which is typically low-cost and comprehensive, or they can simply stay on their parent’s plan until they turn 26. 

What Is the Average Cost of Health Insurance for the Self-Employed In Alabama?

Those who are self-employed in Alabama can sign up for an individual insurance plan on the federal marketplace.

What Is the Average Cost of Health Insurance for Small Business Owners in Alabama?

Small business owners in Alabama (under 50 employees) can opt to enroll in a Small Business Health Options Program (SHOP) on the marketplace to ensure their employees and themselves. The cost varies, but they’re eligible to claim the Small Business Health Care Tax Credit.

Alabama Health Insurance Costs by Number of Participants

What Is the Average Cost of Health Insurance for Families in Alabama?

It depends, but typically, a couple with two dependent children would pay around $1,817 for health insurance monthly, although that number could be lower depending on your financial situation. 

What Is the Average Cost of Health Insurance for Individuals in Alabama?

Across all tiers, the benchmark price for an Alabama individual is roughly $590. 

What Is the Average Cost of Health Insurance for a Child in Alabama?

If your income happens to be too high to qualify for Medicaid, All Kids provides low to no-cost insurance for those under 19. 

Other Types of Alabama Health Insurance Coverage

Catastrophic Health Insurance in Alabama

Catastrophic health insurance plans under the federal ACA marketplace are available in Alabama, but only to those thirty years of age or younger. 

Short Term or Temporary Health Insurance in Alabama

Short-term health insurance is available in Alabama for up to 36 months. However, be advised that short-term insurance plans are not required to meet the essential service minimums prescribed by Obamacare plans. 

 Low-Income Health Insurance in Alabama

Low-income health insurance is available to eligible residents through Alabama Medicaid.

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