ACA plans available
43
Plan year
2026 data Public-data reference. official source
Baldwin, Alabama Health Insurance
Open-data reference.
43 ACA plans from 3 issuers — Plan year 2026
Baldwin, Alabama offers 43 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $362/mo and Silver plans start at $520/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$561
Avg Silver Premium/mo
$524
Benchmark Premium/mo
+31.1%
Year-over-Year Change
$5,060
Avg Deductible
What the Numbers Say About Baldwin
Baldwin, Alabama has 43 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $561/mo for a 27-year-old non-tobacco user, with the lowest Silver at $520 and the highest at $612. Bronze plans start at $362/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $524/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,060 and the average out-of-pocket maximum is $8,931 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Baldwin shifted by +31.1%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Baldwin, consumers have some competitive choice, though narrower than the most competitive counties. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
1 plan$362/mo avg
$362 — $362
Silver
16 plans$561/mo avg
$520 — $612
Gold
13 plans$637/mo avg
$542 — $732
Catastrophic plan available: avg $342/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Baldwin is $524/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
3
Some competition
Benchmark Silver
$524 /mo
Sets your subsidy ceiling
Avg deductible
$5,060
Across all metal tiers
Baldwin ACA plans by premium and deductible
Each marker is the Baldwin average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Baldwin, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Baldwin
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter of Alabama | 18 | $520/mo |
| UnitedHealthcare | 13 | $552/mo |
| Blue Cross and Blue Shield of Alabama | 12 | $528/mo |
All Plans in Baldwin
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue Protect Blue Cross and Blue Shield of Alabama | Catastrophic | PPO | $342.34 | $417.47 | $10,600 | $10,600 |
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | EPO | $361.68 | $441.05 | $10,600 | $10,600 |
| Blue Saver Bronze Blue Cross and Blue Shield of Alabama | Expanded Bronze | PPO | $373.76 | $455.79 | $8,500 | $10,600 |
| Blue Standardized Bronze Blue Cross and Blue Shield of Alabama | Expanded Bronze | PPO | $376.57 | $459.21 | $7,500 | $10,000 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $383.17 | $467.27 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $398.37 | $485.80 | $7,500 | $10,000 |
| Everyday Bronze Ambetter of Alabama | Expanded Bronze | EPO | $400.38 | $488.25 | $8,450 | $10,150 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $400.73 | $488.68 | $0 | $10,600 |
| Standard Expanded Bronze Ambetter of Alabama | Expanded Bronze | EPO | $400.79 | $488.75 | $7,500 | $10,000 |
| Blue HSA Bronze Blue Cross and Blue Shield of Alabama | Expanded Bronze | PPO | $407.72 | $497.21 | $7,200 | $7,200 |
| Everyday Bronze + Vision + Adult Dental Ambetter of Alabama | Expanded Bronze | EPO | $416.66 | $508.10 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Alabama | Expanded Bronze | EPO | $417.09 | $508.62 | $7,500 | $10,000 |
| Elite Bronze Ambetter of Alabama | Expanded Bronze | EPO | $462.28 | $563.74 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter of Alabama | Expanded Bronze | EPO | $481.08 | $586.66 | $0 | $10,500 |
| Standard Silver Ambetter of Alabama | Silver | EPO | $519.67 | $633.72 | $6,000 | $8,900 |
| Blue Statewide Silver EPO Blue Cross and Blue Shield of Alabama | Silver | EPO | $524.34 | $639.41 | $3,500 | $9,450 |
| Focused Silver Ambetter of Alabama | Silver | EPO | $525.68 | $641.05 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Alabama | Silver | EPO | $535.66 | $653.21 | $5,000 | $8,650 |
| Blue Standardized Statewide Silver EPO Blue Cross and Blue Shield of Alabama | Silver | EPO | $537.70 | $655.70 | $6,000 | $8,900 |
| Blue Cross Select Silver Blue Cross and Blue Shield of Alabama | Silver | PPO | $539.13 | $657.46 | $5,000 | $10,600 |
| Standard Silver + Vision + Adult Dental Ambetter of Alabama | Silver | EPO | $540.80 | $659.49 | $6,000 | $8,900 |
| Blue Standardized Silver Blue Cross and Blue Shield of Alabama | Silver | PPO | $543.13 | $662.33 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter of Alabama | Silver | EPO | $547.05 | $667.11 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Alabama | Silver | EPO | $557.44 | $679.77 | $5,000 | $8,650 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $588.44 | $717.58 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $591.29 | $721.06 | $3,500 | $8,900 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $596.99 | $728.01 | $0 | $10,150 |
| Blue Value Silver Blue Cross and Blue Shield of Alabama | Silver | PPO | $602.24 | $734.41 | $3,700 | $10,600 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $606.49 | $739.59 | $3,500 | $8,900 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $612.19 | $746.55 | $0 | $10,150 |
| Standard Gold Ambetter of Alabama | Gold | EPO | $541.95 | $660.89 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter of Alabama | Gold | EPO | $563.99 | $687.77 | $2,000 | $8,200 |
| Complete Gold Ambetter of Alabama | Gold | EPO | $571.74 | $697.22 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter of Alabama | Gold | EPO | $594.99 | $725.57 | $1,450 | $7,500 |
| Elite Gold Ambetter of Alabama | Gold | EPO | $624.19 | $761.17 | $0 | $6,500 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $648.88 | $791.29 | $2,000 | $8,200 |
| Elite Gold + Vision + Adult Dental Ambetter of Alabama | Gold | EPO | $649.57 | $792.12 | $0 | $6,500 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $651.33 | $794.27 | $750 | $8,000 |
| Blue Standardized Gold Blue Cross and Blue Shield of Alabama | Gold | PPO | $662.96 | $808.46 | $2,000 | $8,200 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $667.23 | $813.66 | $750 | $8,000 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $670.17 | $817.25 | $0 | $7,000 |
| Blue Cross Select Gold Blue Cross and Blue Shield of Alabama | Gold | PPO | $696.27 | $849.08 | $850 | $6,000 |
| Blue Value Gold Blue Cross and Blue Shield of Alabama | Gold | PPO | $731.71 | $892.30 | $750 | $6,000 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $488/mo | $471 | $505 | 5 | 2 |
| 2023 | $489/mo | $446 | $547 | 15 | 3 |
| 2024 | $473/mo | $457 | $517 | 16 | 3 |
| 2025 | $455/mo | $417 | $494 | 13 | 3 |
| 2026 | $561/mo | $520 | $612 | 16 | 3 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Alabama
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Baldwin, AL?
There are 43 ACA marketplace plans available in Baldwin from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Baldwin?
The lowest-premium plan in Baldwin starts at $362/mo (Bronze tier, age 27). Silver plans start at $520/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Baldwin?
The benchmark (second-lowest Silver) premium in Baldwin is $524/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Baldwin?
Average premiums in Baldwin changed by +31.1% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Baldwin?
The average annual deductible across all plans in Baldwin is $5,060, and the average out-of-pocket maximum is $8,931. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Baldwin?
There are 3 insurance issuers offering ACA marketplace plans in Baldwin, including Ambetter of Alabama, UnitedHealthcare, Blue Cross and Blue Shield of Alabama. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
