Best Alabama Health Insurance (2025 Plans)

Blue Cross Blue Shield, with a MoneyGeek score of 88 out of 100, offers the best health insurance in Alabama. Blue Cross Blue Shield excels in providing affordable health plan options that keep out-of-pocket costs low. This provider smoothly manages claims and rarely denies them.

We used data from 15 Silver Exclusive Provider Organization (EPO) plans and five Preferred Provider Organization (PPO) plans to determine the best health insurance in Alabama.

Blue Cross Blue Shield (BCBS) is the leading health insurance provider in Alabama for low out-of-pocket costs, with a MoneyGeek score of 96 out of 100. BCBS performs well in several key areas. The provider offers a choice of affordable plan options, maintains low out-of-pocket costs and is less likely to deny claims than other providers in Alabama.

For this analysis, we evaluated a total of 13 plans: six Gold EPO plans, six Gold PPO plans and one Platinum PPO plan.

Blue Cross Blue Shield is the highest rated cheap health insurance provider in Alabama, earning a score of 92 out of 100. BCBS offers more affordable plan options with a lower average for out-of-pocket expenses, and denies fewer claims than the majority of other providers.

For this category, MoneyGeek evaluated 20 Silver plans in Alabama. This included 15 Silver EPO plans and five Silver PPO plans. Although we focused on plans with lower monthly premiums, it's worth noting that plans with lower premiums often have higher out-of-pocket costs.

The best health insurance in Alabama for those with low income is provided by UnitedHealthcare, scoring 58 out of 100. UnitedHealthcare highlights include affordable plan options with lower-than-average rates. However, this company has significantly higher out-of-pocket costs and a higher percentage of claim denials than other providers.

For this category, we looked at Silver plans with eligible cost-sharing reductions (CSRs). In Alabama, we evaluated 18 such plans: 15 EPO and three PPO.

To offer the best option for those with low income, we weighted Silver CSR plans based on low monthly premiums, which offers a way to avoid the choice between low premiums and high out-of-pocket costs. A standard Silver plan takes care of approximately 70% of health care costs, but Silver plans with CSRs cover varying percentages based on income:

• Earnings between $27,180 and $33,975 per year (201–250% of FPL): Expect 73% of health insurance costs covered.
• Earnings between $20,385 and $27,180 per year (151–200% of FPL): Expect 87% of costs covered.
• Earnings less than $20,385 per year (up to 150% of FPL): Expect 94% of costs covered.

Keep in mind, these income brackets shift depending on the number of people in a household.

Blue Cross Blue Shield tops the list for the best health insurance in Alabama for young adults, with a MoneyGeek score of 96 out of 100. Blue Cross Blue Shield offers affordable plan options with lower-than-average out-of-pocket costs. Its denial rate for claims is also much better than average.

In our analysis for this category, we evaluated one Bronze EPO plan, 12 Expanded Bronze EPO plans, four Expanded Bronze PPO plans and one Catastrophic PPO plan.

Health insurance companies offer a variety of plan types. In Alabama, there are 15 Silver EPO plans and five Silver PPO plans available. The best providers for all plan types in Alabama are:

• EPO: Ambetter (MoneyGeek score: 80 out of 100)
• PPO: Blue Cross Blue Shield (MoneyGeek score: 100 out of 100)

MoneyGeek's analysis included only Silver plans in these recommendations. Silver plans are ideal for individuals who frequently use health services because they balance the costs you pay every month with the costs you pay at the time of medical service. In short, they offer a good balance of affordability for both premiums and out-of-pocket costs.

National General Accident and Health, which received a MoneyGeek score of 95 out of 100, provides the best short-term health insurance in Alabama. Since short-term health insurance does not provide all the necessary health benefits that Affordable Care Act (ACA)-compliant plans do, it's only recommended for people wishing to address temporary coverage gaps.

Your budget and medical needs — including how much you're willing to spend each month versus when you receive care — will determine which health insurance provider in Alabama is right for you. The following pointers can be useful when planning to get health insurance.

Medicare is available to those 65 and older or with a qualifying disability or illness. It is a federal health insurance program that offers eligible people discounts on medical treatments. There are three components to Medicare:

• Part A (Hospital Insurance): Covers inpatient hospital stays, nursing homes, some home health care and hospice care.
• Part B (Medical Insurance): Covers preventive services and outpatient care, such as doctor visits.
• Part D (Prescription drug coverage): Assists in covering the cost of prescription medication.

MoneyGeek also provides information for finding the top Alabama Medicare Supplement and best Medicare Advantage plans in Alabama.

Medicaid is a different federal program that offers health insurance to people whose income is below a state-set limit. Through a number of programs in Alabama, families, children, pregnant mothers, elderly and disabled residents might be eligible for Medicaid benefits.

Finding an ideal health insurance plan can be complicated due to concerns about price and availability. MoneyGeek answers some frequently asked questions to help you research options.