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.
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 may 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
Historically, Alabama has only three Health Insurance companies in the Federal marketplace: Blue Cross & Blue Shield of Alabama, and Bright Health Insurance Company, but the latter is only available if you reside in Chilton, Jefferson, Shelby, or Walker.
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?
The average benchmark premium in Alabama for 2022 was $597 for a 40-year-old. (source)
What is the Cheapest Health Insurance Plan in Alabama?
Depending on your health, the cheapest health insurance plan will be the one that covers what you need the most. Contact us to find the best plan for you!
Cheapest Alabama Health Insurance Coverage by Metal Tier
Note that all costs are 2022 pricing from KFF. (source)
As 2023 data is not yet available, we have used statistics from 2022 to reflect costs so you can have an idea of what to expect. Current data shows that 2023 premiums will rise by 4 percent for a 27-year-old for a silver benchmark marketplace plan sold through HealthCare.gov.
The average lowest cost premium of a Gold Plan in Alabama in 2022 was $697.
The average lowest cost premium of a Silver Plan in Alabama in 2022 was $569.
For a Bronze plan, the average lowest premium in 2022 was $418.
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 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 other plans.
Temporary Health Insurance in Alabama
Temporary health insurance follows the same rules and guidelines as short-term health insurance in Alabama.
Low Income Health Insurance in Alabama
Low-income health insurance is available to eligible residents through Alabama Medicaid.
Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2022, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D