2026 plan year · Alabama
2026 health insurance plans in Mobile County, AL
43 Marketplace plans from 3 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $633benchmark silver (age 40)
- $389cheapest bronze (age 40)
- 3insurers
- +26.4%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 | $305 | $389 | $827 | $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 |
|---|---|---|---|---|---|---|
| UHC Bronze Standard (No Referrals) UnitedHealthcare · EPO | $323 | $412 | $876 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · EPO | $336 | $429 | $911 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $338 | $431 | $916 | $0 | $10,600 | $50 |
| Blue Saver Bronze Blue Cross and Blue Shield of Alabama · PPO | $353 | $451 | $958 | $8,500 | $10,600 | $45 |
| Blue Standardized Bronze Blue Cross and Blue Shield of Alabama · PPO | $356 | $454 | $965 | $7,500 | $10,000 | $50 |
| Everyday Bronze Ambetter of Alabama · EPO | $383 | $490 | $1,041 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter of Alabama · EPO | $384 | $491 | $1,042 | $7,500 | $10,000 | $50 |
| Blue HSA Bronze Blue Cross and Blue Shield of Alabama · PPO | $385 | $492 | $1,045 | $7,200 | $7,200 | No Charge after Deductible |
| Everyday Bronze + Vision + Adult Dental Ambetter of Alabama · EPO | $399 | $510 | $1,083 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Alabama · EPO | $399 | $511 | $1,084 | $7,500 | $10,000 | $50 |
| Elite Bronze Ambetter of Alabama · EPO | $443 | $566 | $1,202 | $0 | $10,500 | $50 |
| Elite Bronze + Vision + Adult Dental Ambetter of Alabama · EPO | $461 | $589 | $1,251 | $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 | $495 | $633 | $1,344 | $3,500 | $9,450 | $10 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · EPO | $496 | $633 | $1,345 | $6,000 | $8,900 | $40 |
| Standard Silver Ambetter of Alabama · EPO | $498 | $636 | $1,351 | $6,000 | $8,900 | $40 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $498 | $636 | $1,352 | $3,500 | $8,900 | $30 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $503 | $643 | $1,365 | $0 | $10,150 | $15 |
| Focused Silver Ambetter of Alabama · EPO | $503 | $643 | $1,366 | $6,300 | $8,400 | $40 |
| Blue Standardized Statewide Silver EPO Blue Cross and Blue Shield of Alabama · EPO | $508 | $649 | $1,378 | $6,000 | $8,900 | $40 |
| Blue Cross Select Silver Blue Cross and Blue Shield of Alabama · PPO | $509 | $651 | $1,382 | $5,000 | $10,600 | $25 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $511 | $653 | $1,386 | $3,500 | $8,900 | $30 |
| Blue Standardized Silver Blue Cross and Blue Shield of Alabama · PPO | $513 | $655 | $1,392 | $6,000 | $8,900 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Alabama · EPO | $513 | $656 | $1,392 | $5,000 | $8,650 | $30 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $516 | $659 | $1,399 | $0 | $10,150 | $15 |
| Standard Silver + Vision + Adult Dental Ambetter of Alabama · EPO | $518 | $662 | $1,406 | $6,000 | $8,900 | $40 |
| Focused Silver + Vision + Adult Dental Ambetter of Alabama · EPO | $524 | $670 | $1,422 | $6,300 | $8,400 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Alabama · EPO | $534 | $682 | $1,449 | $5,000 | $8,650 | $30 |
| Blue Value Silver Blue Cross and Blue Shield of Alabama · PPO | $569 | $727 | $1,543 | $3,700 | $10,600 | $10 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Gold Ambetter of Alabama · EPO | $519 | $663 | $1,409 | $2,000 | $8,200 | $30 |
| Standard Gold + Vision + Adult Dental Ambetter of Alabama · EPO | $540 | $690 | $1,466 | $2,000 | $8,200 | $30 |
| UHC Gold Standard (No Referrals) UnitedHealthcare · EPO | $547 | $698 | $1,483 | $2,000 | $8,200 | $30 |
| Complete Gold Ambetter of Alabama · EPO | $548 | $700 | $1,486 | $1,450 | $7,500 | $15 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $549 | $701 | $1,489 | $750 | $8,000 | $20 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $562 | $718 | $1,525 | $750 | $8,000 | $20 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $564 | $721 | $1,532 | $0 | $7,000 | $10 |
| Complete Gold + Vision + Adult Dental Ambetter of Alabama · EPO | $570 | $728 | $1,547 | $1,450 | $7,500 | $15 |
| Elite Gold Ambetter of Alabama · EPO | $598 | $764 | $1,623 | $0 | $6,500 | $5 |
| Elite Gold + Vision + Adult Dental Ambetter of Alabama · EPO | $622 | $795 | $1,688 | $0 | $6,500 | $5 |
| Blue Standardized Gold Blue Cross and Blue Shield of Alabama · PPO | $626 | $800 | $1,699 | $2,000 | $8,200 | $30 |
| Blue Cross Select Gold Blue Cross and Blue Shield of Alabama · PPO | $658 | $840 | $1,784 | $850 | $6,000 | $35 |
| Blue Value Gold Blue Cross and Blue Shield of Alabama · PPO | $691 | $883 | $1,875 | $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 | $323 | $413 | $877 | $10,600 | $10,600 | No Charge after Deductible |
Care quality in Mobile 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 Mobile County.
Frequently asked questions
How many Marketplace health plans are available in Mobile County, AL for 2026?
43 plans from 3 insurers: Ambetter of Alabama, Blue Cross and Blue Shield of Alabama, UnitedHealthcare.
What is the benchmark silver plan premium in Mobile County, AL?
For 2026, the second-lowest-cost silver plan costs $633 a month for a 40-year-old before tax credits, up 26.4% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Mobile County, AL?
The lowest bronze premium for a 40-year-old is $389 a month before tax credits. Bronze plans have low premiums but high deductibles.