Before subsidies, the benchmark silver plan for a 40-year-old in Russell County cost about $686 a month for 2026, and the Alabama average for 2027 is $712 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Russell County for 2026. Below you'll find how coverage works in Phenix City, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Phenix City
Licensed agents can compare plans available in Russell County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Phenix City, AL
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $712/mo before subsidies |
| Russell County benchmark (2026) | $686/mo |
| Plans offered in Russell County (2026) | 43 |
| Plan types | EPO, PPO |
| Marketplace insurers in Alabama (2027) | 4 |
| Medicaid expansion | No |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
A quick checklist
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Write down the enrollment deadline and confirm your first premium payment.
- Check that the agent's license is active with the state regulator.
- Ask each agent which carriers they can quote in your county.
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.
Frequently asked questions
Which insurers sell marketplace plans in Alabama?
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.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Alabama Medicaid. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
How much is health insurance in Phenix City?
Before subsidies, the benchmark silver plan for a 40-year-old in Russell County cost about $686 a month for 2026, and the Alabama average for 2027 is $712 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Russell County for 2026. A licensed agent can quote your exact price.
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