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ACA Health Insurance Coverage Options in Alabama
Alabama uses the federal HealthCare.gov Marketplace for ACA health insurance. Review coverage options and enrollment information for Alabama residents.
The new 2027 plans become available November 1, 2026. Call 855-367-1095 now to get a sneak peek at the new plans before then, and we will have your options ready the day they open.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
Alabama Medicaid: Alabama Medicaid Agency · (800) 362-1504 (Recipient Call Center) · medicaid.alabama.gov
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Eligibility considerations
- No coverage available through an employer, Medicare, or Medicaid
- Interest in comparing Alabama Marketplace plans by metal tier
- Uncertainty about premium tax credit eligibility based on household income
Plan tiers
Lower monthly premium; higher cost-sharing when care is used.
The benchmark tier for subsidy calculations; the only tier eligible for additional cost-sharing reductions.
Higher monthly premium; lower cost-sharing at the point of care.
Alabama Medicaid and Marketplace information
- Medicaid expansion status
- Not expanded
- Alabama Medicaid agency
- Alabama Medicaid Agency
- ACA Marketplace
- HealthCare.gov (federal Marketplace)
If an ACA plan doesn't fit
Some Alabama residents earn too much for premium help, or missed the enrollment window, and feel they have no options. You may still have some.
Alabama counties: ACA open enrollment
Choose your county for the dates, Medicaid status and how to get help.
- Jefferson County
- Madison County
- Mobile County
- Baldwin County
- Tuscaloosa County
- Shelby County
- Montgomery County
- Lee County
- Morgan County
- Calhoun County
- Limestone County
- Houston County
- Etowah County
- Marshall County
- Lauderdale County
- St. Clair County
- Cullman County
- Elmore County
- Talladega County
- DeKalb County
- Walker County
- Autauga County
- Blount County
- Russell County
- Colbert County
- Coffee County
- Jackson County
- Dale County
- Chilton County
- Tallapoosa County
- Covington County
- Escambia County
- Dallas County
- Chambers County
- Lawrence County
- Pike County
- Franklin County
- Marion County
- Geneva County
- Cherokee County
- Barbour County
- Winston County
- Randolph County
- Clarke County
- Bibb County
- Monroe County
- Pickens County
- Marengo County
- Butler County
- Macon County
- Henry County
- Fayette County
- Cleburne County
- Washington County
Common questions
How is ACA Marketplace coverage administered in Alabama?
Alabama uses HealthCare.gov (federal Marketplace) rather than a state-run exchange. Enrollment, plan comparison, and subsidy determinations run through the federal system.
Has Alabama expanded Medicaid under the ACA?
Alabama has not adopted ACA Medicaid expansion. Some adults with income too high for traditional Medicaid but too low to qualify for Marketplace premium tax credits may fall into a coverage gap. A licensed agent can review what applies to a specific household.
Is there a cost to speak with a licensed agent?
No. Reviewing ACA Marketplace options by phone with a licensed agent has no cost. Any plan ultimately selected carries its own separate premium, determined by the plan and carrier, not by GetFastRates.com.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.