2026 plan year · Alabama
2026 health insurance plans in Clarke County, AL
25 Marketplace plans from 2 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $656benchmark silver (age 40)
- $441cheapest bronze (age 40)
- 2insurers
- +17.6%benchmark change vs. 2025
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) UnitedHealthcare · EPO | $345 | $441 | $937 | $10,600 | $10,600 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Saver Bronze Blue Cross and Blue Shield of Alabama · PPO | $357 | $456 | $968 | $8,500 | $10,600 | $45 |
| Blue Standardized Bronze Blue Cross and Blue Shield of Alabama · PPO | $359 | $459 | $975 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · EPO | $366 | $467 | $992 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · EPO | $380 | $486 | $1,032 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $382 | $489 | $1,038 | $0 | $10,600 | $50 |
| Blue HSA Bronze Blue Cross and Blue Shield of Alabama · PPO | $389 | $497 | $1,056 | $7,200 | $7,200 | No Charge after Deductible |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Statewide Silver EPO Blue Cross and Blue Shield of Alabama · EPO | $500 | $639 | $1,358 | $3,500 | $9,450 | $10 |
| Blue Standardized Statewide Silver EPO Blue Cross and Blue Shield of Alabama · EPO | $513 | $656 | $1,392 | $6,000 | $8,900 | $40 |
| Blue Cross Select Silver Blue Cross and Blue Shield of Alabama · PPO | $514 | $657 | $1,396 | $5,000 | $10,600 | $25 |
| Blue Standardized Silver Blue Cross and Blue Shield of Alabama · PPO | $518 | $662 | $1,407 | $6,000 | $8,900 | $40 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · EPO | $561 | $718 | $1,524 | $6,000 | $8,900 | $40 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $564 | $721 | $1,531 | $3,500 | $8,900 | $30 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $570 | $728 | $1,546 | $0 | $10,150 | $15 |
| Blue Value Silver Blue Cross and Blue Shield of Alabama · PPO | $575 | $734 | $1,560 | $3,700 | $10,600 | $10 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $579 | $740 | $1,571 | $3,500 | $8,900 | $30 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $584 | $747 | $1,585 | $0 | $10,150 | $15 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| UHC Gold Standard (No Referrals) UnitedHealthcare · EPO | $619 | $791 | $1,680 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $622 | $794 | $1,687 | $750 | $8,000 | $20 |
| Blue Standardized Gold Blue Cross and Blue Shield of Alabama · PPO | $633 | $808 | $1,717 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $637 | $814 | $1,728 | $750 | $8,000 | $20 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $639 | $817 | $1,736 | $0 | $7,000 | $10 |
| Blue Cross Select Gold Blue Cross and Blue Shield of Alabama · PPO | $664 | $849 | $1,803 | $850 | $6,000 | $35 |
| Blue Value Gold Blue Cross and Blue Shield of Alabama · PPO | $698 | $892 | $1,895 | $750 | $6,000 | $20 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Protect Blue Cross and Blue Shield of Alabama · PPO | $327 | $417 | $887 | $10,600 | $10,600 | No Charge after Deductible |
Care quality in Clarke County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Clarke County.
Frequently asked questions
How many Marketplace health plans are available in Clarke County, AL for 2026?
25 plans from 2 insurers: Blue Cross and Blue Shield of Alabama, UnitedHealthcare.
What is the benchmark silver plan premium in Clarke County, AL?
For 2026, the second-lowest-cost silver plan costs $656 a month for a 40-year-old before tax credits, up 17.6% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Clarke County, AL?
The lowest bronze premium for a 40-year-old is $441 a month before tax credits. Bronze plans have low premiums but high deductibles.