2026 plan year · Alabama
2026 health insurance plans in Madison County, AL
52 Marketplace plans from 4 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $683benchmark silver (age 40)
- $475cheapest bronze (age 40)
- 4insurers
- +15.5%benchmark change vs. 2025
Insurer changes from 2025
- New here: Oscar Insurance Company.
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) UnitedHealthcare · EPO | $375 | $480 | $1,019 | $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 | $371 | $475 | $1,008 | $8,500 | $10,600 | $45 |
| Blue Standardized Bronze Blue Cross and Blue Shield of Alabama · PPO | $374 | $478 | $1,016 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · EPO | $398 | $508 | $1,079 | $7,500 | $10,000 | $50 |
| Blue HSA Bronze Blue Cross and Blue Shield of Alabama · PPO | $405 | $518 | $1,100 | $7,200 | $7,200 | No Charge after Deductible |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · EPO | $414 | $528 | $1,122 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $416 | $532 | $1,129 | $0 | $10,600 | $50 |
| Everyday Bronze Ambetter of Alabama · EPO | $428 | $546 | $1,160 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter of Alabama · EPO | $428 | $547 | $1,162 | $7,500 | $10,000 | $50 |
| Bronze Classic Standard Oscar Insurance Company · EPO | $429 | $548 | $1,164 | $7,500 | $10,000 | $50 |
| Bronze Classic 4700 Oscar Insurance Company · EPO | $437 | $558 | $1,185 | $4,700 | $9,800 | $70 |
| Everyday Bronze + Vision + Adult Dental Ambetter of Alabama · EPO | $445 | $569 | $1,208 | $8,450 | $10,150 | $40 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company · EPO | $445 | $569 | $1,208 | $5,500 | $10,150 | $50 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Alabama · EPO | $445 | $569 | $1,209 | $7,500 | $10,000 | $50 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company · EPO | $469 | $599 | $1,272 | $0 | $10,600 | $50 |
| Elite Bronze Ambetter of Alabama · EPO | $494 | $631 | $1,340 | $0 | $10,500 | $50 |
| Elite Bronze + Vision + Adult Dental Ambetter of Alabama · EPO | $514 | $657 | $1,394 | $0 | $10,500 | $50 |
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 | $521 | $666 | $1,414 | $3,500 | $9,450 | $10 |
| Blue Standardized Statewide Silver EPO Blue Cross and Blue Shield of Alabama · EPO | $534 | $683 | $1,450 | $6,000 | $8,900 | $40 |
| Blue Cross Select Silver Blue Cross and Blue Shield of Alabama · PPO | $536 | $685 | $1,454 | $5,000 | $10,600 | $25 |
| Blue Standardized Silver Blue Cross and Blue Shield of Alabama · PPO | $540 | $690 | $1,465 | $6,000 | $8,900 | $40 |
| Silver Classic Standard Oscar Insurance Company · EPO | $549 | $702 | $1,491 | $6,000 | $8,900 | $40 |
| Silver Simple Oscar Insurance Company · EPO | $554 | $708 | $1,503 | $6,300 | $9,300 | $10 |
| Silver Simple Chronic Care CKM Oscar Insurance Company · EPO | $554 | $708 | $1,504 | $5,900 | $10,150 | No Charge |
| Standard Silver Ambetter of Alabama · EPO | $555 | $709 | $1,506 | $6,000 | $8,900 | $40 |
| Focused Silver Ambetter of Alabama · EPO | $561 | $717 | $1,524 | $6,300 | $8,400 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Alabama · EPO | $572 | $731 | $1,552 | $5,000 | $8,650 | $30 |
| Standard Silver + Vision + Adult Dental Ambetter of Alabama · EPO | $578 | $738 | $1,567 | $6,000 | $8,900 | $40 |
| Focused Silver + Vision + Adult Dental Ambetter of Alabama · EPO | $584 | $747 | $1,585 | $6,300 | $8,400 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Alabama · EPO | $595 | $761 | $1,616 | $5,000 | $8,650 | $30 |
| Blue Value Silver Blue Cross and Blue Shield of Alabama · PPO | $598 | $765 | $1,624 | $3,700 | $10,600 | $10 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · EPO | $611 | $781 | $1,658 | $6,000 | $8,900 | $40 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $614 | $784 | $1,666 | $3,500 | $8,900 | $30 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $620 | $792 | $1,682 | $0 | $10,150 | $15 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $630 | $805 | $1,709 | $3,500 | $8,900 | $30 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $635 | $812 | $1,725 | $0 | $10,150 | $15 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Gold Ambetter of Alabama · EPO | $579 | $740 | $1,571 | $2,000 | $8,200 | $30 |
| Standard Gold + Vision + Adult Dental Ambetter of Alabama · EPO | $602 | $770 | $1,635 | $2,000 | $8,200 | $30 |
| Gold Simple Oscar Insurance Company · EPO | $608 | $777 | $1,649 | $3,300 | $9,950 | $5 |
| Complete Gold Ambetter of Alabama · EPO | $611 | $780 | $1,657 | $1,450 | $7,500 | $15 |
| Gold Classic Standard Oscar Insurance Company · EPO | $611 | $781 | $1,659 | $2,000 | $8,200 | $30 |
| Complete Gold + Vision + Adult Dental Ambetter of Alabama · EPO | $635 | $812 | $1,724 | $1,450 | $7,500 | $15 |
| Blue Standardized Gold Blue Cross and Blue Shield of Alabama · PPO | $659 | $842 | $1,788 | $2,000 | $8,200 | $30 |
| Elite Gold Ambetter of Alabama · EPO | $667 | $852 | $1,809 | $0 | $6,500 | $5 |
| UHC Gold Standard (No Referrals) UnitedHealthcare · EPO | $674 | $861 | $1,828 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $676 | $864 | $1,835 | $750 | $8,000 | $20 |
| Blue Cross Select Gold Blue Cross and Blue Shield of Alabama · PPO | $692 | $884 | $1,878 | $850 | $6,000 | $35 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $693 | $885 | $1,880 | $750 | $8,000 | $20 |
| Elite Gold + Vision + Adult Dental Ambetter of Alabama · EPO | $694 | $887 | $1,883 | $0 | $6,500 | $5 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $696 | $889 | $1,888 | $0 | $7,000 | $10 |
| Blue Value Gold Blue Cross and Blue Shield of Alabama · PPO | $727 | $929 | $1,973 | $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 | $340 | $435 | $923 | $10,600 | $10,600 | No Charge after Deductible |
Care quality in Madison 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 Madison County.
Frequently asked questions
How many Marketplace health plans are available in Madison County, AL for 2026?
52 plans from 4 insurers: Ambetter of Alabama, Blue Cross and Blue Shield of Alabama, Oscar Insurance Company, UnitedHealthcare.
What is the benchmark silver plan premium in Madison County, AL?
For 2026, the second-lowest-cost silver plan costs $683 a month for a 40-year-old before tax credits, up 15.5% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Madison County, AL?
The lowest bronze premium for a 40-year-old is $475 a month before tax credits. Bronze plans have low premiums but high deductibles.