Health insurance for Alabamians who buy their own.
We help Alabamians who buy their own health coverage, including people leaving a job, the self-employed and early retirees, compare Marketplace plans and other options from Mobile to Huntsville.
Alabama plans we compare
What’s different about health insurance in Alabama.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Alabama FAQ- Alabama uses the federal Marketplace. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027; choose by December 15 for a January 1 start.
- Four insurers sell 2026 Marketplace plans: Blue Cross and Blue Shield of Alabama, UnitedHealthcare, Ambetter and Oscar. Choices vary a lot by county.
- Alabama has not expanded Medicaid. Adults without children generally cannot get Medicaid, and income below the poverty line can leave you with no subsidy.
- There is no state mini-COBRA law, so if your employer had fewer than 20 workers you usually cannot keep the group plan.
- The enhanced federal subsidies ended after 2025. Above 400% of the poverty level, you pay full price.
- Short-term plans of up to 36 months are sold again, and the Farm Bureau's Alfa Health Plans are a new non-ACA option for members.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Alabama's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Alabama, and what to use instead.
Learn moreWho sells plans in Alabama
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Alabama FAQ, or ask an agent at (888) 214-4898.
Open enrollment runs November 1, 2026 to January 15, 2027 through the federal Marketplace. Choose a plan by December 15 if you want coverage to start January 1. Outside that window you need a qualifying life event, such as losing other coverage.
No. Alabama uses the federal Marketplace, so you apply at HealthCare.gov or through a licensed agent. There is no extra state subsidy on top of the federal premium tax credit.
No. Adults without dependent children generally cannot get Medicaid in Alabama, and parents qualify only at very low incomes, about 18% of the poverty level. If your income is below the poverty line, you may get neither Medicaid nor a Marketplace subsidy.
KFF reports the 2026 average benchmark Silver premium for a 40-year-old in Alabama was $645 per month before subsidies, up from $535 in 2025. Your price depends on age, county, plan and income, and most enrollees pay much less after the premium tax credit.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Alabama county, check your subsidy, and walk you through the options. No cost, no obligation.