ACA marketplace
ACA marketplace coverage in Alabama.
Alabama uses the federal Healthcare.gov platform. Plan availability is concentrated in the major metro counties (Jefferson, Madison, Mobile), with carrier choice thinning in rural areas. Alabama has not expanded Medicaid as of plan year 2026, which affects subsidy eligibility for lower-income residents.
39 days left to enroll for January 1, 2027 coverage.
Enroll by Dec 15 for Jan 1 coverage, or by Jan 15 for Feb 1 coverage.
About the ACA marketplace in Alabama
Alabama uses the federal Healthcare.gov platform.
Estimate your ACA subsidy
Enter your household size, projected income, and the ages of everyone who needs coverage. We'll estimate the monthly premium tax credit (APTC) you may qualify for.
Carriers we represent in Alabama
- Ambetter
- Oscar Health
- UnitedHealthcare
Carrier availability and plan options vary by county.
Our agents who serve Alabama
When you can enroll
- Open Enrollment Period: November 1 through January 15
- Special Enrollment Periods: triggered by qualifying life events (loss of coverage, marriage, birth, move, income change)
Request an ACA quote in Alabama.