CMS Marketplace state · 67 counties
Alabama ACA marketplace premiums
Statewide aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless a row notes another age band.
Data updated 2026-08-30
- $539
- Avg premium (age 27)
- 67
- Counties
- 4
- Issuers
- #21 of 30
- Premium rank (30 states)
Below median
Alabama lists 54 ACA marketplace plans across 67 counties from 4 issuers. Average age-27 premium is $539/mo (age 40: $657/mo; age 60: $1,395/mo), ranging $300 to $1,009/mo. Source: CMS Marketplace Public Use Files.
- State premium corpus place #21 of 30 (highest = #1)
- Costliest county Silver: Russell at $688/mo
- Cheapest county Silver: Calhoun at $510/mo
Premium rank is not plan-count rank
According to CMS Marketplace Public Use Files, Alabama ranks #21 of 30 federal-marketplace states by average age-27 premium ($539/mo) and #22 of 30 by plan count (54 plans).
- #21 of 30
- Age-27 premium among 30 states
- $539
- Average listed premium /mo (age 27)
- #22 of 30
- Plan count among 30 states
- 54
- Listed ACA plans in this state
Highest listed average premium = #1. Most listed plans = #1. Federal-marketplace states only; state-based exchanges are outside this corpus.
Network inventory · plans
How 54 listed Alabama plans split by CMS network type
Exclusive HMO / EPO / PPO / POS counts by distinct CMS plan_id for this state (same basis as the statewide plan total) - orthogonal to the average-premium and plan-count ranks above.
Lower-premium band
Alabama in the lower-premium third
$539/mo age-27 avg sits in the bottom third of tracked federal-marketplace states. Corpus place #21 of 30 (highest premium = #1).
Floor-to-ceiling plan rates run $300–$1,009/mo (age 27). Cheapest published county Silver is Calhoun at $510/mo. Issuer book is thin (4) relative to other tracked states.
Source: CMS Marketplace Public Use Files. Informational only; confirm options at HealthCare.gov. How we place states.
Where Alabama sits by plan inventory
Alabama lists 54 ACA marketplace plans among 30 federal-marketplace states (inventory signal, not a quality ranking).
Alabama vs all states by ACA plan count
Where this state's disclosed CMS Marketplace plan inventory sits among every tracked federal-marketplace state
54 22nd of 30 higher than 8 of 30 states
States, banded by ACA marketplace plan count
Each bar is a band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Nationwide similar states
Similar average premium
Similar issuer count
Source: CMS Health Insurance Marketplace Public Use Files (Plan Year 2026) Alabama ACA marketplace premiums by county and metal tier (Plan Year 2026) · 2026 CMS publishes the Marketplace Public Use Files annually, covering the federal exchange and participating state-based exchanges. 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 |
Lower list rates still need metal-tier fit: Bronze vs Silver vs Gold.
All Counties in Alabama
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Autauga | $532 | $374 | $675 | 12 | 1 | +18.8% |
| Baldwin | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Barbour | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Bibb | $574 | $392 | $686 | 27 | 2 | +22.2% |
| Blount | $574 | $392 | $686 | 27 | 2 | +22.2% |
| Bullock | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Butler | $549 | $386 | $697 | 12 | 1 | +22.6% |
| Calhoun | $510 | $341 | $597 | 25 | 2 | +17.0% |
| Chambers | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Cherokee | $574 | $386 | $676 | 25 | 2 | +22.7% |
| Chilton | $574 | $392 | $686 | 27 | 2 | +22.2% |
| Choctaw | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Clarke | $574 | $386 | $676 | 25 | 2 | +22.7% |
| Clay | $574 | $386 | $676 | 25 | 2 | +22.7% |
| Cleburne | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Coffee | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Colbert | $564 | $413 | $644 | 43 | 3 | +14.5% |
| Conecuh | $574 | $386 | $676 | 25 | 2 | +22.7% |
| Coosa | $574 | $386 | $676 | 25 | 2 | +22.7% |
| Covington | $543 | $415 | $626 | 30 | 2 | +19.2% |
| Crenshaw | $549 | $386 | $697 | 12 | 1 | +22.6% |
| Cullman | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Dale | $574 | $386 | $676 | 25 | 2 | +22.7% |
| Dallas | $543 | $415 | $626 | 30 | 2 | +19.2% |
| De Kalb | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Elmore | $532 | $374 | $675 | 12 | 1 | +18.8% |
| Escambia | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Etowah | $560 | $417 | $645 | 43 | 3 | +22.0% |
| Fayette | $574 | $386 | $676 | 25 | 2 | +22.7% |
| Franklin | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Geneva | $546 | $398 | $622 | 43 | 3 | +20.6% |
| Greene | $519 | $349 | $611 | 25 | 2 | +21.7% |
| Hale | $519 | $349 | $611 | 25 | 2 | +21.7% |
| Henry | $546 | $398 | $622 | 43 | 3 | +20.6% |
| Houston | $546 | $398 | $622 | 43 | 3 | +20.6% |
| Jackson | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Jefferson | $588 | $451 | $672 | 54 | 4 | +22.1% |
| Lamar | $549 | $386 | $697 | 12 | 1 | +22.6% |
| Lauderdale | $564 | $413 | $644 | 43 | 3 | +14.5% |
| Lawrence | $573 | $421 | $655 | 43 | 3 | +20.8% |
| Lee | $629 | $456 | $716 | 43 | 3 | +25.9% |
| Limestone | $604 | $449 | $686 | 52 | 4 | +13.7% |
| Lowndes | $557 | $432 | $648 | 30 | 2 | +21.3% |
| Macon | $574 | $386 | $676 | 25 | 2 | +22.7% |
| Madison | $604 | $449 | $686 | 52 | 4 | +13.7% |
| Marengo | $574 | $386 | $676 | 25 | 2 | +22.7% |
| Marion | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Marshall | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Mobile | $538 | $392 | $612 | 43 | 3 | +15.9% |
| Monroe | $549 | $386 | $697 | 12 | 1 | +22.6% |
| Montgomery | $557 | $432 | $648 | 30 | 2 | +25.2% |
| Morgan | $573 | $421 | $655 | 43 | 3 | +20.8% |
| Perry | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Pickens | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Pike | $574 | $386 | $676 | 25 | 2 | +22.7% |
| Randolph | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Russell | $688 | $495 | $780 | 43 | 3 | +26.0% |
| Saint Clair | $574 | $392 | $686 | 27 | 2 | +22.2% |
| Shelby | $588 | $451 | $672 | 54 | 4 | +22.1% |
| Sumter | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Talladega | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Tallapoosa | $574 | $386 | $676 | 25 | 2 | +22.7% |
| Tuscaloosa | $519 | $349 | $611 | 25 | 2 | +21.7% |
| Walker | $588 | $451 | $672 | 54 | 4 | +22.1% |
| Washington | $561 | $406 | $637 | 43 | 3 | +20.4% |
| Wilcox | $549 | $386 | $697 | 12 | 1 | +22.6% |
| Winston | $574 | $386 | $676 | 25 | 2 | +22.7% |
Frequently Asked Questions
Why is Alabama's average ACA premium in the lower band? ▼
What is the cheapest Silver county in Alabama? ▼
How thin is issuer competition in Alabama? ▼
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.
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. County premiums and issuer counts are aggregated live from the CMS PUF records for each marketplace year. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.