Alabama ACA Health Insurance
67 counties, 4 issuers, 54 plans
Premium Range
Premiums in Alabama range from $300/mo to $1,009/mo (age 27 base rate).
Reading the Alabama Marketplace
The ACA marketplace in Alabama lists 54 plans from 4 issuers spread across 67 counties. The statewide average premium is $539/mo for a 27-year-old, $657/mo at age 40, and $1,395/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $300 at the low end to $1,009 at the high end, before subsidies.
Geography drives most of the within-state variation: Russell posts the highest Silver average at $688/mo, while Calhoun sits at $510/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $5,045, the amount most enrollees must pay before non-preventive coverage begins.
Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.
Top 5 most-expensive counties — Alabama (Silver avg)
Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) Alabama ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.
Most Expensive Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Russell | $688/mo | 43 | 3 |
| 2 | Lee | $629/mo | 43 | 3 |
| 3 | Limestone | $604/mo | 52 | 4 |
| 4 | Madison | $604/mo | 52 | 4 |
| 5 | Jefferson | $588/mo | 54 | 4 |
Most Affordable Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Calhoun | $510/mo | 25 | 2 |
| 2 | Greene | $519/mo | 25 | 2 |
| 3 | Hale | $519/mo | 25 | 2 |
| 4 | Tuscaloosa | $519/mo | 25 | 2 |
| 5 | Autauga | $532/mo | 12 | 1 |
All Counties in Alabama
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Autauga | $532 | N/A | $675 | 12 | 1 | +29.5% |
| Baldwin | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Barbour | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Bibb | $574 | $361 | $686 | 27 | 2 | +31.9% |
| Blount | $574 | $361 | $686 | 27 | 2 | +31.9% |
| Bullock | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Butler | $549 | N/A | $697 | 12 | 1 | +33.6% |
| Calhoun | $510 | $300 | $597 | 25 | 2 | +27.2% |
| Chambers | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Cherokee | $574 | $362 | $676 | 25 | 2 | +33.5% |
| Chilton | $574 | $361 | $686 | 27 | 2 | +31.9% |
| Choctaw | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Clarke | $574 | $362 | $676 | 25 | 2 | +33.5% |
| Clay | $574 | $362 | $676 | 25 | 2 | +33.5% |
| Cleburne | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Coffee | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Colbert | $564 | $340 | $644 | 43 | 3 | +24.2% |
| Conecuh | $574 | $362 | $676 | 25 | 2 | +33.5% |
| Coosa | $574 | $362 | $676 | 25 | 2 | +33.5% |
| Covington | $543 | N/A | $626 | 30 | 2 | +29.8% |
| Crenshaw | $549 | N/A | $697 | 12 | 1 | +33.6% |
| Cullman | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Dale | $574 | $362 | $676 | 25 | 2 | +33.5% |
| Dallas | $543 | N/A | $626 | 30 | 2 | +29.8% |
| De Kalb | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Elmore | $532 | N/A | $675 | 12 | 1 | +29.5% |
| Escambia | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Etowah | $560 | $322 | $645 | 43 | 3 | +31.9% |
| Fayette | $574 | $362 | $676 | 25 | 2 | +33.5% |
| Franklin | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Geneva | $546 | $347 | $622 | 43 | 3 | +31.1% |
| Greene | $519 | $325 | $611 | 25 | 2 | +32.4% |
| Hale | $519 | $325 | $611 | 25 | 2 | +32.4% |
| Henry | $546 | $347 | $622 | 43 | 3 | +31.1% |
| Houston | $546 | $347 | $622 | 43 | 3 | +31.1% |
| Jackson | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Jefferson | $588 | $361 | $672 | 54 | 4 | +31.9% |
| Lamar | $549 | N/A | $697 | 12 | 1 | +33.6% |
| Lauderdale | $564 | $340 | $644 | 43 | 3 | +24.2% |
| Lawrence | $573 | $344 | $655 | 43 | 3 | +30.9% |
| Lee | $629 | $438 | $716 | 43 | 3 | +37.3% |
| Limestone | $604 | $393 | $686 | 52 | 4 | +24.3% |
| Lowndes | $557 | N/A | $648 | 30 | 2 | +31.6% |
| Macon | $574 | $362 | $676 | 25 | 2 | +33.5% |
| Madison | $604 | $393 | $686 | 52 | 4 | +24.3% |
| Marengo | $574 | $362 | $676 | 25 | 2 | +33.5% |
| Marion | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Marshall | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Mobile | $538 | $319 | $612 | 43 | 3 | +25.9% |
| Monroe | $549 | N/A | $697 | 12 | 1 | +33.6% |
| Montgomery | $557 | N/A | $648 | 30 | 2 | +35.9% |
| Morgan | $573 | $344 | $655 | 43 | 3 | +30.9% |
| Perry | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Pickens | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Pike | $574 | $362 | $676 | 25 | 2 | +33.5% |
| Randolph | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Russell | $688 | $544 | $780 | 43 | 3 | +38.0% |
| Saint Clair | $574 | $361 | $686 | 27 | 2 | +31.9% |
| Shelby | $588 | $361 | $672 | 54 | 4 | +31.9% |
| Sumter | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Talladega | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Tallapoosa | $574 | $362 | $676 | 25 | 2 | +33.5% |
| Tuscaloosa | $519 | $325 | $611 | 25 | 2 | +32.4% |
| Walker | $588 | $361 | $672 | 54 | 4 | +31.9% |
| Washington | $561 | $362 | $637 | 43 | 3 | +31.1% |
| Wilcox | $549 | N/A | $697 | 12 | 1 | +33.6% |
| Winston | $574 | $362 | $676 | 25 | 2 | +33.5% |
Health Insurance Guides
Related Health & Cost Data
ACA Health Insurance in Alabama
The Affordable Care Act marketplace in Alabama offers 54 health insurance plans from 4 issuers across 67 counties. Premiums vary significantly by geography: the most expensive county (Russell) averages $688/mo for a Silver plan, while the most affordable (Calhoun) averages $510/mo.
Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $5,045, though lower-deductible options are available at higher monthly premiums.
Frequently Asked Questions
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Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.
Read our methodology — how this data is sourced, computed, and verified.
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