ACA plans available
30
Plan year
2026 data Public-data reference. official source
Montgomery, Alabama Health Insurance
Open-data reference.
30 ACA plans from 2 issuers — Plan year 2026
Montgomery, Alabama offers 30 ACA marketplace plans from 2 issuers for plan year 2026. Silver plans start at $508/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$557
Avg Silver Premium/mo
$521
Benchmark Premium/mo
+35.9%
Year-over-Year Change
$5,192
Avg Deductible
What the Numbers Say About Montgomery
Montgomery, Alabama has 30 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $557/mo for a 27-year-old non-tobacco user, with the lowest Silver at $508 and the highest at $598.
The benchmark (second-lowest Silver) premium is $521/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 $5,192 and the average out-of-pocket maximum is $8,822 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Montgomery shifted by +35.9%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Montgomery, 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
Silver
11 plans$557/mo avg
$508 — $598
Gold
9 plans$648/mo avg
$582 — $709
Catastrophic plan available: avg $332/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Montgomery is $521/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
2
Some competition
Benchmark Silver
$521 /mo
Sets your subsidy ceiling
Avg deductible
$5,192
Across all metal tiers
Montgomery ACA plans by premium and deductible
Each marker is the Montgomery 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 Montgomery, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Montgomery
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter of Alabama | 18 | $558/mo |
| Blue Cross and Blue Shield of Alabama | 12 | $512/mo |
All Plans in Montgomery
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue Protect Blue Cross and Blue Shield of Alabama | Catastrophic | PPO | $331.70 | $404.50 | $10,600 | $10,600 |
| Blue Saver Bronze Blue Cross and Blue Shield of Alabama | Expanded Bronze | PPO | $362.14 | $441.62 | $8,500 | $10,600 |
| Blue Standardized Bronze Blue Cross and Blue Shield of Alabama | Expanded Bronze | PPO | $364.86 | $444.93 | $7,500 | $10,000 |
| Blue HSA Bronze Blue Cross and Blue Shield of Alabama | Expanded Bronze | PPO | $395.05 | $481.75 | $7,200 | $7,200 |
| Everyday Bronze Ambetter of Alabama | Expanded Bronze | EPO | $429.79 | $524.11 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter of Alabama | Expanded Bronze | EPO | $430.23 | $524.65 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter of Alabama | Expanded Bronze | EPO | $447.26 | $545.42 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Alabama | Expanded Bronze | EPO | $447.72 | $545.98 | $7,500 | $10,000 |
| Elite Bronze Ambetter of Alabama | Expanded Bronze | EPO | $496.23 | $605.14 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter of Alabama | Expanded Bronze | EPO | $516.41 | $629.74 | $0 | $10,500 |
| Blue Statewide Silver EPO Blue Cross and Blue Shield of Alabama | Silver | EPO | $508.04 | $619.54 | $3,500 | $9,450 |
| Blue Standardized Statewide Silver EPO Blue Cross and Blue Shield of Alabama | Silver | EPO | $520.98 | $635.32 | $6,000 | $8,900 |
| Blue Cross Select Silver Blue Cross and Blue Shield of Alabama | Silver | PPO | $522.37 | $637.02 | $5,000 | $10,600 |
| Blue Standardized Silver Blue Cross and Blue Shield of Alabama | Silver | PPO | $526.24 | $641.74 | $6,000 | $8,900 |
| Standard Silver Ambetter of Alabama | Silver | EPO | $557.84 | $680.26 | $6,000 | $8,900 |
| Focused Silver Ambetter of Alabama | Silver | EPO | $564.29 | $688.13 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Alabama | Silver | EPO | $574.99 | $701.19 | $5,000 | $8,650 |
| Standard Silver + Vision + Adult Dental Ambetter of Alabama | Silver | EPO | $580.52 | $707.92 | $6,000 | $8,900 |
| Blue Value Silver Blue Cross and Blue Shield of Alabama | Silver | PPO | $583.52 | $711.58 | $3,700 | $10,600 |
| Focused Silver + Vision + Adult Dental Ambetter of Alabama | Silver | EPO | $587.23 | $716.11 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Alabama | Silver | EPO | $598.37 | $729.70 | $5,000 | $8,650 |
| Standard Gold Ambetter of Alabama | Gold | EPO | $581.75 | $709.43 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter of Alabama | Gold | EPO | $605.41 | $738.28 | $2,000 | $8,200 |
| Complete Gold Ambetter of Alabama | Gold | EPO | $613.73 | $748.42 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter of Alabama | Gold | EPO | $638.68 | $778.85 | $1,450 | $7,500 |
| Blue Standardized Gold Blue Cross and Blue Shield of Alabama | Gold | PPO | $642.35 | $783.32 | $2,000 | $8,200 |
| Elite Gold Ambetter of Alabama | Gold | EPO | $670.03 | $817.07 | $0 | $6,500 |
| Blue Cross Select Gold Blue Cross and Blue Shield of Alabama | Gold | PPO | $674.63 | $822.69 | $850 | $6,000 |
| Elite Gold + Vision + Adult Dental Ambetter of Alabama | Gold | EPO | $697.27 | $850.30 | $0 | $6,500 |
| Blue Value Gold Blue Cross and Blue Shield of Alabama | Gold | PPO | $708.96 | $864.56 | $750 | $6,000 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $503/mo | $486 | $521 | 2 | 1 |
| 2023 | $490/mo | $466 | $519 | 3 | 1 |
| 2024 | $505/mo | $485 | $533 | 3 | 1 |
| 2025 | $465/mo | $445 | $494 | 3 | 1 |
| 2026 | $557/mo | $508 | $598 | 11 | 2 |
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 Montgomery, AL?
There are 30 ACA marketplace plans available in Montgomery from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Montgomery?
Silver plans in Montgomery start at $508/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Montgomery?
The benchmark (second-lowest Silver) premium in Montgomery is $521/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 Montgomery?
Average premiums in Montgomery changed by +35.9% 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 Montgomery?
The average annual deductible across all plans in Montgomery is $5,192, and the average out-of-pocket maximum is $8,822. 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 Montgomery?
There are 2 insurance issuers offering ACA marketplace plans in Montgomery, including Ambetter of Alabama, 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
