Health Insurance Plans in Alabama
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to Alabama residents. Get a free quote from a licensed advisor today.
Find Alabama Health Plans
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Alabama Health Insurance at a Glance
Here's what you need to know about health coverage options in Alabama.
Alabama has not expanded Medicaid, leaving a coverage gap for adults earning below 100% FPL. ACA subsidies are especially important for residents in this income range.
Check Plans in Your ZIP Code
Enter your ZIP code to see carriers, estimated costs, and coverage options available in your specific area.
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Want a personalized quote with exact plan options and pricing for your ZIP code?
Get My Personalized Quote →ACA Marketplace Plans in Alabama
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Alabama Marketplace Works
Alabama residents enroll through Federal (HealthCare.gov). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in Alabama
These insurance companies offer ACA marketplace plans in Alabama:
- Blue Cross Blue Shield of Alabama
- Ambetter
- Oscar Health
- UnitedHealthcare
Carrier availability varies by county. A licensed advisor can tell you exactly which plans are available in your ZIP code.
Medicaid in Alabama
Alabama has not expanded Medicaid under the ACA.
This means there is a coverage gap for some low-income adults who earn too much for traditional Medicaid but too little to qualify for ACA marketplace subsidies. Short-term health plans and ancillary products can help bridge this gap.
Check Your Eligibility →Short-Term Health Insurance in Alabama
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in Alabama
- Maximum duration: 12 months, renewable up to 36 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Alabama?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Ancillary Plans in Alabama
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →Alabama Health Insurance Questions
Alabama Insurance Resources
Alabama Department of Insurance
File complaints, verify licenses, and learn about your rights as a consumer.
Alabama Marketplace
Enroll in ACA plans through Federal (HealthCare.gov).
Health Insurance by City in Alabama
Find health insurance information specific to your city in Alabama.
Birmingham
Jefferson County · Pop. 200,733
Huntsville
Madison County · Pop. 215,006
Montgomery
Montgomery County · Pop. 200,603
Mobile
Mobile County · Pop. 187,041
Tuscaloosa
Tuscaloosa County · Pop. 101,129
Dothan
Houston County · Pop. 69,515
Auburn
Lee County · Pop. 76,143
Gadsden
Etowah County · Pop. 34,441
Anniston
Calhoun County · Pop. 21,697
Bessemer
Jefferson County · Pop. 26,461
Cullman
Cullman County · Pop. 16,436
Daphne
Baldwin County · Pop. 33,141
Prattville
Autauga County · Pop. 35,581
Opelika
Lee County · Pop. 30,886
Selma
Dallas County · Pop. 17,853
Decatur
Morgan County · Pop. 58,761
Madison
Madison County · Pop. 46,905
Phenix City
Russell County · Pop. 37,634
Enterprise
Coffee County · Pop. 28,562
Florence
Lauderdale County · Pop. 40,017
Muscle Shoals
Colbert County · Pop. 13,146
Fairhope
Baldwin County · Pop. 19,371
Dothan Extra
Houston County · Pop. 69,515
Hoover
Jefferson County · Pop. 89,331
Health Insurance by County in Alabama
Find health insurance information for your county in Alabama.
Jefferson County
County Seat: Birmingham · Pop. 660,367
Madison County
County Seat: Huntsville · Pop. 402,261
Montgomery County
County Seat: Montgomery · Pop. 223,071
Mobile County
County Seat: Mobile · Pop. 413,944
Tuscaloosa County
County Seat: Tuscaloosa · Pop. 194,056
Etowah County
County Seat: Gadsden · Pop. 102,849
Lee County
County Seat: Auburn · Pop. 161,948
Calhoun County
County Seat: Anniston · Pop. 113,605
Houston County
County Seat: Dothan · Pop. 101,547
Cullman County
County Seat: Cullman · Pop. 80,406
Baldwin County
County Seat: Bay Minette · Pop. 223,334
Autauga County
County Seat: Prattville · Pop. 55,869
Dallas County
County Seat: Selma · Pop. 37,913
Morgan County
County Seat: Decatur · Pop. 119,490
Russell County
County Seat: Phenix City · Pop. 52,947
Coffee County
County Seat: Enterprise · Pop. 50,231
Lauderdale County
County Seat: Florence · Pop. 92,709
Colbert County
County Seat: Muscle Shoals · Pop. 54,526
Covington County
County Seat: Andalusia · Pop. 37,765
DeKalb County
County Seat: Fort Payne · Pop. 71,109
Escambia County
County Seat: Brewton · Pop. 36,876
Fayette County
County Seat: Fayette · Pop. 17,241
Greene County
County Seat: Eutaw · Pop. 8,693
Hale County
County Seat: Greensboro · Pop. 15,760
Henry County
County Seat: Abbeville · Pop. 16,599
Jackson County
County Seat: Scottsboro · Pop. 52,899
Lamar County
County Seat: Vernon · Pop. 14,564
Limestone County
County Seat: Athens · Pop. 82,782
Marengo County
County Seat: Linden · Pop. 20,595
Marion County
County Seat: Hamilton · Pop. 29,633