With a MoneyGeek score of 91 out of 100, Blue Cross Blue Shield offers the best health insurance in Alabama, excelling in affordability, customer service and coverage. However, if the company is unavailable in your area, Ambetter and UnitedHealthcare also offer some of the top coverage options in the state.
Best Health Insurance in Alabama
Updated: June 24, 2025
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Key Takeaways
Overall, Blue Cross Blue Shield offers Alabama's best and most balanced health insurance coverage.
Blue Cross Blue Shield provides the best cheap health insurance in Alabama, with Silver-tier plans averaging $217 monthly, where available.
To find the best health insurance in Alabama, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.
Best Health Insurance Companies in Alabama
| Blue Cross Blue Shield | 91 | Blue HSA Silver for Business |
| Ambetter | 80 | Standard Silver |
| UnitedHealthcare | 50 | UHC Silver Standard |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Best Health Insurance in Alabama by Category
While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.
| Children/Families | Blue Cross Blue Shield |
| Young Adults | Blue Cross Blue Shield |
| Seniors | Blue Cross Blue Shield |
| PPO | Blue Cross Blue Shield |
| EPO | Ambetter |
Best Alabama Health Insurance Reviews
Our top overall pick also excels in affordability and customer service reputation.
Blue Cross Blue Shield: Best Customer Reputation
pros
Most affordable rates in the state
Highest customer reputation score in Alabama
Best overall in the state
cons
Largest number of in-network counties
No out-of-network coverage, unless there's a medical emergency
COMPANY HIGHLIGHTS
Blue Cross Blue Shield of Alabama is the state's health care leader, commanding over 90% of Alabama's health insurance market and serving more than 3 million people with over 89 years of experience since 1936. The company also offers the lowest rates for Silver plans at $217 monthly, where available. Blue Cross Blue Shield of Alabama has won 24 Brand Excellence Awards from the Blue Cross Blue Shield Association and 10 J.D. Power Awards for Highest Member Satisfaction, making it the preferred choice for over 90% of federal employees in Alabama.
How to Find the Best Health Insurance for You in Alabama
The following recommendations will ensure that buying health insurance that is ideal for you is easy.
Decide on your coverage needs before buying
When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket plan limits. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.
Compare company offerings and reputations
Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.
Shop around
Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates can start at $217 monthly in Alabama, depending on your profile and chosen plan. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, have gotten divorced or have had a child.
Take advantage of federal programs and subsidies
Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top Alabama Medicare Supplement and best Medicare Advantage plans in Alabama if you want to learn more.
Best Health Insurance in Alabama: Bottom Line
Overall, our top three picks for Alabama health insurance are Blue Cross Blue Shield, Ambetter and UnitedHealthcare. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.
Best Alabama Health Insurance: FAQ
Below we've answered frequently asked questions about the best health insurance in Alabama:
What is the best health insurance provider in Alabama for 2025?
Blue Cross Blue Shield provides the best health insurance in Alabama for 2025. However, the best choice for you will depend on your unique circumstances and needs and if coverage is available in your county.
What should you look for when shopping for the best health insurance plan in Alabama?
When finding the best health insurance plan, compare premium costs and coverage breadth to ensure the plan meets your specific medical needs without gaps in essential services. The ideal plan balances affordability with comprehensive coverage that aligns with your health requirements and anticipated medical expenses.
How We Chose the Best Health Insurance in Alabama
To rank health care insurance providers in Alabama, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
- Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
- Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
- Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
- Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.
In some cases, we adjusted the weightings as follows:
- For the categories "Best Cheap Health Insurance in Alabama" and "Best Health Insurance in Alabama for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
- For the category "Best Health Insurance by Plan Type in Alabama," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.
Sample Consumer:
MoneyGeek collected data on all available plans in Alabama for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.