2026 plan year · Alabama
2026 health insurance plans in Saint Clair County, AL
27 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.
- $652benchmark silver (age 40)
- $441cheapest bronze (age 40)
- 2insurers
- +18.8%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 | $935 | $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 | $365 | $467 | $991 | $7,500 | $10,000 | $50 |
| Blue Saver Bronze Blue Cross and Blue Shield of Alabama · PPO | $370 | $472 | $1,003 | $8,500 | $10,600 | $45 |
| Blue Standardized Bronze Blue Cross and Blue Shield of Alabama · PPO | $372 | $476 | $1,011 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · EPO | $380 | $485 | $1,030 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $382 | $488 | $1,036 | $0 | $10,600 | $50 |
| Blue HSA Bronze Blue Cross and Blue Shield of Alabama · PPO | $403 | $515 | $1,094 | $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 Saver Silver EPO Blue Cross and Blue Shield of Alabama · EPO | $489 | $625 | $1,327 | $4,000 | $9,450 | $10 |
| Blue Standardized Silver EPO Blue Cross and Blue Shield of Alabama · EPO | $511 | $652 | $1,386 | $6,000 | $8,900 | $40 |
| Blue Statewide Silver EPO Blue Cross and Blue Shield of Alabama · EPO | $518 | $663 | $1,407 | $3,500 | $9,450 | $10 |
| Blue Standardized Statewide Silver EPO Blue Cross and Blue Shield of Alabama · EPO | $532 | $679 | $1,443 | $6,000 | $8,900 | $40 |
| Blue Cross Select Silver Blue Cross and Blue Shield of Alabama · PPO | $533 | $681 | $1,447 | $5,000 | $10,600 | $25 |
| Blue Standardized Silver Blue Cross and Blue Shield of Alabama · PPO | $537 | $686 | $1,458 | $6,000 | $8,900 | $40 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · EPO | $561 | $717 | $1,522 | $6,000 | $8,900 | $40 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $564 | $720 | $1,529 | $3,500 | $8,900 | $30 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $569 | $727 | $1,544 | $0 | $10,150 | $15 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $578 | $739 | $1,569 | $3,500 | $8,900 | $30 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $583 | $746 | $1,583 | $0 | $10,150 | $15 |
| Blue Value Silver Blue Cross and Blue Shield of Alabama · PPO | $596 | $761 | $1,616 | $3,700 | $10,600 | $10 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| UHC Gold Standard (No Referrals) UnitedHealthcare · EPO | $618 | $790 | $1,678 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $621 | $793 | $1,685 | $750 | $8,000 | $20 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $636 | $813 | $1,726 | $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 | $816 | $1,733 | $0 | $7,000 | $10 |
| Blue Standardized Gold Blue Cross and Blue Shield of Alabama · PPO | $656 | $838 | $1,779 | $2,000 | $8,200 | $30 |
| Blue Cross Select Gold Blue Cross and Blue Shield of Alabama · PPO | $688 | $880 | $1,869 | $850 | $6,000 | $35 |
| Blue Value Gold Blue Cross and Blue Shield of Alabama · PPO | $724 | $925 | $1,964 | $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 | $339 | $433 | $919 | $10,600 | $10,600 | No Charge after Deductible |
Frequently asked questions
How many Marketplace health plans are available in Saint Clair County, AL for 2026?
27 plans from 2 insurers: Blue Cross and Blue Shield of Alabama, UnitedHealthcare.
What is the benchmark silver plan premium in Saint Clair County, AL?
For 2026, the second-lowest-cost silver plan costs $652 a month for a 40-year-old before tax credits, up 18.8% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Saint Clair 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.