Health Insurance in Shelby County, AL
Compare 43 ACA plans and check your subsidy eligibility.
2026 Plan Year Data
Expanded Bronze only
Bronze from
$600/mo
Silver from
$697/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.
Check My Subsidy — See How Much You SaveBronze Plans (1)
Lowest premium, highest cost-sharing. Best if you are healthy and rarely need care.
Expanded Bronze Plans (16)
Like Bronze but with some services covered before you meet your deductible.
UHC Bronze Standard+ (Dental + Vision, No Referrals)
EPO · UnitedHealthcareHSA
$403/mo
Age 40 premium
Blue Standardized Bronze
PPO · Blue Cross and Blue Shield of AlabamaHSA
$438/mo
Age 40 premium
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
EPO · UnitedHealthcareHSA
$489/mo
Age 40 premium
Standard Expanded Bronze + Vision + Adult Dental
EPO · Ambetter of AlabamaHSA
$511/mo
Age 40 premium
Everyday Bronze + Vision + Adult Dental
EPO · Ambetter of AlabamaHSA
$570/mo
Age 40 premium
Elite Bronze + Vision + Adult Dental
EPO · Ambetter of AlabamaHSA
$668/mo
Age 40 premium
Silver Plans (19)
Middle ground. Required for cost-sharing reductions if your income is 100-250% FPL.
UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)
EPO · UnitedHealthcare
$604/mo
Age 40 premium
UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals)
EPO · UnitedHealthcare
$614/mo
Age 40 premium
Blue Saver Silver EPO
EPO · Blue Cross and Blue Shield of Alabama
$625/mo
Age 40 premium
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
Blue Standardized Silver EPO
EPO · Blue Cross and Blue Shield of Alabama
$652/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
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental
EPO · Ambetter of Alabama
$682/mo
Age 40 premium
UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals)
EPO · UnitedHealthcare
$701/mo
Age 40 premium
UHC Silver Value ($0 Virtual Urgent Care, No Referrals)
EPO · UnitedHealthcare
$873/mo
Age 40 premium
Gold Plans (15)
Higher premium, lower out-of-pocket. Good if you use medical services regularly.
UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)
EPO · UnitedHealthcare
$659/mo
Age 40 premium
UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals)
EPO · UnitedHealthcare
$675/mo
Age 40 premium
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)
EPO · UnitedHealthcare
$678/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
Catastrophic Plans (1)
Very low premium, very high deductible. Only available to people under 30.
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