Health Insurance in Elmore County, AL

Compare 36 ACA plans and check your subsidy eligibility.

2026 Plan Year Data
Expanded Bronze only
Bronze from
$600/mo
Silver from
$661/mo
Gold from
$604/mo
Benchmark (SLCSP)

What is the Benchmark (SLCSP)? The Second Lowest Cost Silver Plan — the reference plan used to calculate your premium tax credit (subsidy) amount.

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Population
91,042
Median Income
$73k
Poverty Rate
12.5%
Uninsured
8.0%
Est. Uninsured
6,478
Insurers
3

Expanded Bronze Plans (13)

Like Bronze but with some services covered before you meet your deductible.

Blue Saver Bronze
PPO · Blue Cross and Blue Shield of AlabamaHSA
$435/mo
Age 40 premium
Blue Standardized Bronze
PPO · Blue Cross and Blue Shield of AlabamaHSA
$438/mo
Age 40 premium
Blue HSA Bronze
PPO · Blue Cross and Blue Shield of AlabamaHSA
$474/mo
Age 40 premium
Standard Expanded Bronze + Vision + Adult Dental
EPO · Ambetter of AlabamaHSA
$511/mo
Age 40 premium
Everyday Bronze
EPO · Ambetter of AlabamaHSA
$539/mo
Age 40 premium
Standard Expanded Bronze
EPO · Ambetter of AlabamaHSA
$541/mo
Age 40 premium
Everyday Bronze + Vision + Adult Dental
EPO · Ambetter of AlabamaHSA
$570/mo
Age 40 premium
Elite Bronze
EPO · Ambetter of AlabamaHSA
$631/mo
Age 40 premium
Bronze Classic Standard
EPO · Oscar Insurance CompanyHSA
$631/mo
Age 40 premium
Bronze Classic 4700
EPO · Oscar Insurance CompanyHSA
$643/mo
Age 40 premium
Bronze Simple Chronic Care CKM
EPO · Oscar Insurance CompanyHSA
$655/mo
Age 40 premium
Elite Bronze + Vision + Adult Dental
EPO · Ambetter of AlabamaHSA
$668/mo
Age 40 premium
Bronze Elite + PCP Saver Plus
EPO · Oscar Insurance CompanyHSA
$690/mo
Age 40 premium

Silver Plans (12)

Middle ground. Required for cost-sharing reductions if your income is 100-250% FPL.

Blue Cross Select Silver
PPO · Blue Cross and Blue Shield of Alabama
$627/mo
Age 40 premium
Blue Standardized Silver
PPO · Blue Cross and Blue Shield of Alabama
$631/mo
Age 40 premium
Standard Silver
EPO · Ambetter of Alabama
$636/mo
Age 40 premium
Focused Silver
EPO · Ambetter of Alabama
$643/mo
Age 40 premium
Enhanced Diabetes Care Silver with $0 Drug Options
EPO · Ambetter of Alabama
$656/mo
Age 40 premium
Standard Silver + Vision + Adult Dental
EPO · Ambetter of Alabama
$662/mo
Age 40 premium
Focused Silver + Vision + Adult Dental
EPO · Ambetter of Alabama
$670/mo
Age 40 premium
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental
EPO · Ambetter of Alabama
$682/mo
Age 40 premium
Blue Value Silver
PPO · Blue Cross and Blue Shield of Alabama
$700/mo
Age 40 premium
Silver Classic Standard
EPO · Oscar Insurance Company
$809/mo
Age 40 premium
Silver Simple
EPO · Oscar Insurance Company
$815/mo
Age 40 premium
Silver Simple Chronic Care CKM
EPO · Oscar Insurance Company
$816/mo
Age 40 premium

Gold Plans (11)

Higher premium, lower out-of-pocket. Good if you use medical services regularly.

Standard Gold + Vision + Adult Dental
EPO · Ambetter of Alabama
$690/mo
Age 40 premium
Complete Gold
EPO · Ambetter of Alabama
$700/mo
Age 40 premium
Standard Gold
EPO · Ambetter of Alabama
$709/mo
Age 40 premium
Complete Gold + Vision + Adult Dental
EPO · Ambetter of Alabama
$728/mo
Age 40 premium
Elite Gold
EPO · Ambetter of Alabama
$763/mo
Age 40 premium
Elite Gold + Vision + Adult Dental
EPO · Ambetter of Alabama
$795/mo
Age 40 premium
Blue Cross Select Gold
PPO · Blue Cross and Blue Shield of Alabama
$809/mo
Age 40 premium
Blue Standardized Gold
PPO · Blue Cross and Blue Shield of Alabama
$838/mo
Age 40 premium
Gold Simple
EPO · Oscar Insurance Company
$894/mo
Age 40 premium
Gold Classic Standard
EPO · Oscar Insurance Company
$900/mo
Age 40 premium
Blue Value Gold
PPO · Blue Cross and Blue Shield of Alabama
$934/mo
Age 40 premium

Catastrophic Plans (1)

Very low premium, very high deductible. Only available to people under 30.

Blue Protect
PPO · Blue Cross and Blue Shield of AlabamaHSA
$398/mo
Age 40 premium

Alabama Has Not Expanded Medicaid

Alabama has not expanded Medicaid. Adults without dependents generally need income between 100–400% FPL for marketplace subsidies.

Check Medicaid Eligibility

Calculate Your Costs in Elmore County

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Subsidy Calculator

See how much the government will pay toward your premium

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Medicaid Eligibility

Check if you qualify for Alabama Medicaid program

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True Plan Cost

Compare total annual cost including premiums + expected care

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COBRA vs Marketplace

Is COBRA really better than a subsidized ACA plan?