Alabama Health Insurance Carriers for 2026
These are the insurers selling individual and family health plans in Alabama for 2026, and where to buy them.
The Alabama individual market in 2026
Four insurers sell individual and family Marketplace plans in Alabama for 2026: Blue Cross and Blue Shield of Alabama, UnitedHealthcare, Ambetter (Celtic Insurance Company) and newcomer Oscar. Full-price rates rose about 20% to 25% for 2026, and all four have filed for 2027. Blue Cross sells statewide, while the others cover only some counties, so your ZIP code decides your real choices.
Insurers selling individual plans in Alabama
| Insurer | Sells Marketplace plans | Notes |
|---|---|---|
| Blue Cross and Blue Shield of Alabama | Yes | The largest insurer in Alabama's individual market, with plans sold across the state, including two new statewide Silver EPO plans for 2026; average rates rose 20.0% for 2026. |
| UnitedHealthcare | Yes | Sells individual and family Marketplace plans in parts of Alabama; average rates rose 20.1% for 2026, and several plans were new. |
| Ambetter of Alabama (Celtic Insurance Company) | Yes | Centene's Marketplace brand, offered in 40 Alabama counties for 2026, including some plans with $0 copays on preferred insulin and select chronic-condition drugs; average rates rose 25.0% for 2026. |
| Oscar Health | Yes | New to Alabama for 2026, with nine Bronze, Silver and Gold plans in Jefferson, Shelby, Walker, Madison and Limestone counties (the Birmingham and Huntsville areas). |
Not every insurer sells in every county. Your ZIP code determines which plans you can buy.
Alabama questions
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No. Oscar is new to Alabama for 2026 and sells Marketplace plans only in Jefferson, Shelby, Walker, Madison and Limestone counties. That covers the Birmingham and Huntsville areas.
The Alabama Department of Insurance reported average full-price increases of 20.0% for Blue Cross, 20.1% for UnitedHealthcare and 25.0% for Ambetter (Celtic). Oscar was new, so it had no prior rates. Subsidies offset much of the increase for people who qualify.
Yes. All four insurers filed 2027 rates with the Alabama Department of Insurance: Blue Cross and Blue Shield of Alabama, UnitedHealthcare, Celtic (Ambetter) and Oscar.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
- Alabama Department of Insurance: Revised 2026 ACA individual market rates (October 17, 2025)
- Alabama Department of Insurance: 2027 ACA individual market rates
- Centene: Ambetter of Alabama offers health insurance in Alabama in 2026 (November 3, 2025)
- Business Wire: Oscar launches new health insurance choices for Alabama individuals, families and businesses (November 3, 2025)
- healthinsurance.org: ACA Marketplace in Alabama
