Before subsidies, the average benchmark silver plan for a 40-year-old in Alabama costs $712 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists health insurance agents across Alabama by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in Alabama
People in Alabama buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. Alabama Medicaid is the state's Medicaid program; the state has not expanded Medicaid to most low-income adults. For 2027, marketplace plans in Alabama come from 4 insurers: Blue Cross and Blue Shield of Alabama, UnitedHealthcare, Ambetter (Celtic) and Oscar Health. Not every insurer sells in every county. Short-term health plans are sold in the state, though they are not ACA-compliant coverage.
Agent licensing in Alabama
- The Alabama Department of Insurance licenses insurance agents and brokers and regulates health insurers in the state. Consumers can file a complaint with the department through its online services. Source
- The Alabama Department of Insurance offers a Check License Status / Licensee Search tool on its website for confirming that an agent or broker is licensed. Its site also links to an Insurance Agent Search hosted through the NAIC. Source
- Alabama producers who sell health coverage need the Accident & Health or Sickness line of authority, which the state pairs with Life as a combined line. Source
Free enrollment help in Alabama
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Licensed agents can quote plans from multiple Alabama carriers in one call.
Call 866-645-8540Agents by city in Alabama
- Alabaster
- Albertville
- Alexander City
- Andalusia
- Anniston
- Arab
- Athens
- Atmore
- Attalla
- Auburn
- Bay Minette
- Bessemer
- Birmingham
- Boaz
- Brent
- Brewton
- Brook Highland
- Calera
- Center Point
- Chelsea
- Chickasaw
- Clanton
- Clay
- Cullman
- Daleville
- Daphne
- Decatur
- Demopolis
- Dothan
- Enterprise
- Eufaula
- Fairfield
- Fairhope
- Florence
- Foley
- Forestdale
- Fort Payne
- Fort Rucker
- Fultondale
- Gadsden
- Gardendale
- Glencoe
- Grayson Valley
- Greenville
- Gulf Shores
- Guntersville
- Hamilton
- Hartselle
- Harvest
- Helena
- Highland Lakes
- Homewood
- Hoover
- Hueytown
- Huntsville
- Irondale
- Jacksonville
- Jasper
- Lanett
- Leeds
- Lincoln
- Madison
- Margaret
- Meadowbrook
- Meridianville
- Midfield
- Millbrook
- Mobile
- Monroeville
- Montevallo
- Montgomery
- Moody
- Moores Mill
- Mountain Brook
- Muscle Shoals
- Northport
- Oneonta
- Opelika
- Opp
- Orange Beach
- Oxford
- Ozark
- Pelham
- Pell City
- Phenix City
- Pike Road
- Pinson
- Pleasant Grove
- Prattville
- Prichard
- Rainbow City
- Rainsville
- Roanoke
- Robertsdale
- Russellville
- Saks
- Saraland
- Satsuma
- Scottsboro
- Selma
- Semmes
- Sheffield
- Smiths Station
- Southside
- Spanish Fort
- Sylacauga
- Talladega
- Tarrant
- Theodore
- Tillmans Corner
- Troy
- Trussville
- Tuscaloosa
- Tuscumbia
- Tuskegee
- Valley
- Vestavia Hills
- Wetumpka