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 top-rated local agencies 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 866-645-8540Health insurance 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