ACA plans available
54
Plan year
2026 data Public-data reference. official source
Shelby, Alabama Health Insurance
Open-data reference.
54 ACA plans from 4 issuers — Plan year 2026
Shelby, Alabama offers 54 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $361/mo and Silver plans start at $513/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$588
Avg Silver Premium/mo
$535
Benchmark Premium/mo
+31.9%
Year-over-Year Change
$5,073
Avg Deductible
What the Numbers Say About Shelby
Shelby, Alabama has 54 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $588/mo for a 27-year-old non-tobacco user, with the lowest Silver at $513 and the highest at $669. Bronze plans start at $361/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $535/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 $5,073 and the average out-of-pocket maximum is $9,064 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Shelby shifted by +31.9%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Shelby, consumers have meaningful competition to pressure premiums lower. 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$361/mo avg
$361 — $361
Silver
21 plans$588/mo avg
$513 — $669
Gold
15 plans$672/mo avg
$583 — $758
Catastrophic plan available: avg $355/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Shelby is $535/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
4
Competitive market
Benchmark Silver
$535 /mo
Sets your subsidy ceiling
Avg deductible
$5,073
Across all metal tiers
Shelby ACA plans by premium and deductible
Each marker is the Shelby 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 Shelby, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Shelby
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter of Alabama | 18 | $559/mo |
| Blue Cross and Blue Shield of Alabama | 14 | $544/mo |
| UnitedHealthcare | 13 | $551/mo |
| Oscar Insurance Company | 9 | $624/mo |
All Plans in Shelby
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue Protect Blue Cross and Blue Shield of Alabama | Catastrophic | PPO | $354.76 | $432.62 | $10,600 | $10,600 |
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | EPO | $361.23 | $440.51 | $10,600 | $10,600 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $382.70 | $466.69 | $7,500 | $10,000 |
| Blue Saver Bronze Blue Cross and Blue Shield of Alabama | Expanded Bronze | PPO | $387.32 | $472.32 | $8,500 | $10,600 |
| Blue Standardized Bronze Blue Cross and Blue Shield of Alabama | Expanded Bronze | PPO | $390.22 | $475.86 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $397.88 | $485.20 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $400.23 | $488.07 | $0 | $10,600 |
| Blue HSA Bronze Blue Cross and Blue Shield of Alabama | Expanded Bronze | PPO | $422.51 | $515.24 | $7,200 | $7,200 |
| Everyday Bronze Ambetter of Alabama | Expanded Bronze | EPO | $430.53 | $525.02 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter of Alabama | Expanded Bronze | EPO | $430.97 | $525.56 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter of Alabama | Expanded Bronze | EPO | $448.04 | $546.37 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Alabama | Expanded Bronze | EPO | $448.50 | $546.93 | $7,500 | $10,000 |
| Elite Bronze Ambetter of Alabama | Expanded Bronze | EPO | $497.10 | $606.19 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter of Alabama | Expanded Bronze | EPO | $517.31 | $630.84 | $0 | $10,500 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $517.76 | $631.39 | $7,500 | $10,000 |
| Bronze Classic 4700 Oscar Insurance Company | Expanded Bronze | EPO | $526.97 | $642.62 | $4,700 | $9,800 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company | Expanded Bronze | EPO | $537.30 | $655.22 | $5,500 | $10,150 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $565.81 | $689.99 | $0 | $10,600 |
| Blue Saver Silver EPO Blue Cross and Blue Shield of Alabama | Silver | EPO | $512.59 | $625.08 | $4,000 | $9,450 |
| Blue Standardized Silver EPO Blue Cross and Blue Shield of Alabama | Silver | EPO | $535.02 | $652.44 | $6,000 | $8,900 |
| Blue Statewide Silver EPO Blue Cross and Blue Shield of Alabama | Silver | EPO | $543.36 | $662.60 | $3,500 | $9,450 |
| Blue Standardized Statewide Silver EPO Blue Cross and Blue Shield of Alabama | Silver | EPO | $557.20 | $679.49 | $6,000 | $8,900 |
| Blue Cross Select Silver Blue Cross and Blue Shield of Alabama | Silver | PPO | $558.69 | $681.30 | $5,000 | $10,600 |
| Standard Silver Ambetter of Alabama | Silver | EPO | $558.81 | $681.45 | $6,000 | $8,900 |
| Blue Standardized Silver Blue Cross and Blue Shield of Alabama | Silver | PPO | $562.83 | $686.35 | $6,000 | $8,900 |
| Focused Silver Ambetter of Alabama | Silver | EPO | $565.27 | $689.33 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Alabama | Silver | EPO | $576.00 | $702.41 | $5,000 | $8,650 |
| Standard Silver + Vision + Adult Dental Ambetter of Alabama | Silver | EPO | $581.53 | $709.16 | $6,000 | $8,900 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $587.71 | $716.69 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter of Alabama | Silver | EPO | $588.25 | $717.35 | $6,300 | $8,400 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $590.56 | $720.16 | $3,500 | $8,900 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $596.25 | $727.11 | $0 | $10,150 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Alabama | Silver | EPO | $599.42 | $730.97 | $5,000 | $8,650 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $605.74 | $738.68 | $3,500 | $8,900 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $611.43 | $745.62 | $0 | $10,150 |
| Blue Value Silver Blue Cross and Blue Shield of Alabama | Silver | PPO | $624.08 | $761.05 | $3,700 | $10,600 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $663.05 | $808.57 | $6,000 | $8,900 |
| Silver Simple Oscar Insurance Company | Silver | EPO | $668.45 | $815.15 | $6,300 | $9,300 |
| Silver Simple Chronic Care CKM Oscar Insurance Company | Silver | EPO | $668.95 | $815.76 | $5,900 | $10,150 |
| Standard Gold Ambetter of Alabama | Gold | EPO | $582.77 | $710.67 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter of Alabama | Gold | EPO | $606.46 | $739.56 | $2,000 | $8,200 |
| Complete Gold Ambetter of Alabama | Gold | EPO | $614.80 | $749.73 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter of Alabama | Gold | EPO | $639.80 | $780.21 | $1,450 | $7,500 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $648.08 | $790.31 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $650.52 | $793.29 | $750 | $8,000 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $666.40 | $812.65 | $750 | $8,000 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $669.34 | $816.23 | $0 | $7,000 |
| Elite Gold Ambetter of Alabama | Gold | EPO | $671.19 | $818.50 | $0 | $6,500 |
| Blue Standardized Gold Blue Cross and Blue Shield of Alabama | Gold | PPO | $687.01 | $837.78 | $2,000 | $8,200 |
| Elite Gold + Vision + Adult Dental Ambetter of Alabama | Gold | EPO | $698.48 | $851.78 | $0 | $6,500 |
| Blue Cross Select Gold Blue Cross and Blue Shield of Alabama | Gold | PPO | $721.53 | $879.88 | $850 | $6,000 |
| Gold Simple Oscar Insurance Company | Gold | EPO | $733.44 | $894.41 | $3,300 | $9,950 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $737.96 | $899.92 | $2,000 | $8,200 |
| Blue Value Gold Blue Cross and Blue Shield of Alabama | Gold | PPO | $758.25 | $924.66 | $750 | $6,000 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $456/mo | $428 | $532 | 9 | 2 |
| 2023 | $517/mo | $441 | $558 | 10 | 2 |
| 2024 | $544/mo | $464 | $642 | 18 | 3 |
| 2025 | $470/mo | $431 | $512 | 15 | 3 |
| 2026 | $588/mo | $513 | $669 | 21 | 4 |
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 Shelby, AL?
There are 54 ACA marketplace plans available in Shelby from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Shelby?
The lowest-premium plan in Shelby starts at $361/mo (Bronze tier, age 27). Silver plans start at $513/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Shelby?
The benchmark (second-lowest Silver) premium in Shelby is $535/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 Shelby?
Average premiums in Shelby changed by +31.9% 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 Shelby?
The average annual deductible across all plans in Shelby is $5,073, and the average out-of-pocket maximum is $9,064. 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 Shelby?
There are 4 insurance issuers offering ACA marketplace plans in Shelby, including Ambetter of Alabama, Blue Cross and Blue Shield of Alabama, UnitedHealthcare, and others. 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
