Blue Cross Blue Shield provides the cheapest overall health insurance in Alabama, with an average monthly premium of $217. While availability may vary, you should also consider Ambetter, UnitedHealthcare and Health First for affordable health plans in the state.
Most Affordable Health Insurance in Alabama
Updated: June 6, 2025
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Key Takeaways
Blue Cross Blue Shield offers Alabama's cheapest health insurance with an average monthly savings of $307 compared to the state average.
Blue Cross Blue Shield offers the best full coverage (platinum) plans with rates starting at $578 per month.
To find the cheapest health insurance for you, decide on a coverage level within your budget, check subsidy eligibility and compare plans from several companies.
Most Affordable Health Insurance Companies in Alabama
| Blue Cross Blue Shield | $217 | $307 |
| Ambetter | $258 | $266 |
| UnitedHealthcare | $453 | $72 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Alabama Health Insurance Plans by Profile
While we've summarized the cheapest companies for most Alabama, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below, we've broken down the cheapest companies by category for most in the state:
- Cheapest For Young Adults: Blue Cross Blue Shield ($291 monthly)
- Cheapest For Seniors: Blue Cross Blue Shield ($771 monthly)
- Cheapest Catastrophic Plan: Blue Cross Blue Shield ($298 monthly)
- Cheapest Expanded Bronze Plan: Blue Cross Blue Shield ($293 monthly)
- Cheapest Silver Plan: Blue Cross Blue Shield ($363 monthly)
- Cheapest Gold Plan: Blue Cross Blue Shield ($465 monthly)
- Cheapest Full Coverage (Platinum Plan): Blue Cross Blue Shield ($578 monthly)
While these are a good measure of the most affordable plans, this only represents the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. We've created a filterable table that you can modify for plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
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Age:40
| Blue Cross Blue Shield | Blue HSA Silver for Business | $363 | $128 | $6,000 |
Cheapest Health Insurance Plans by County in Alabama
While Blue Cross Blue Shield is the cheapest provider overall, UnitedHealthcare ranks as the most affordable and most available in more counties across the state for silver plans (the most commonly chosen plan). Below, you can review which company and plan are most affordable in your area.
| Autauga | Ambetter | $496 | Standard Silver |
| Baldwin | UnitedHealthcare | $490 | UHC Silver Standard |
| Barbour | UnitedHealthcare | $490 | UHC Silver Standard |
| Bibb | UnitedHealthcare | $490 | UHC Silver Standard |
| Blount | UnitedHealthcare | $490 | UHC Silver Standard |
| Bullock | UnitedHealthcare | $490 | UHC Silver Standard |
| Butler | UnitedHealthcare | $490 | UHC Silver Standard |
| Calhoun | UnitedHealthcare | $490 | UHC Silver Standard |
| Chambers | UnitedHealthcare | $490 | UHC Silver Standard |
| Cherokee | UnitedHealthcare | $490 | UHC Silver Standard |
| Chilton | UnitedHealthcare | $490 | UHC Silver Standard |
| Choctaw | UnitedHealthcare | $490 | UHC Silver Standard |
| Clarke | UnitedHealthcare | $490 | UHC Silver Standard |
| Clay | UnitedHealthcare | $490 | UHC Silver Standard |
| Cleburne | UnitedHealthcare | $490 | UHC Silver Standard |
| Coffee | UnitedHealthcare | $490 | UHC Silver Standard |
| Colbert | UnitedHealthcare | $490 | UHC Silver Standard |
| Conecuh | UnitedHealthcare | $490 | UHC Silver Standard |
| Coosa | UnitedHealthcare | $490 | UHC Silver Standard |
| Covington | UnitedHealthcare | $490 | UHC Silver Standard |
| Crenshaw | UnitedHealthcare | $490 | UHC Silver Standard |
| Cullman | UnitedHealthcare | $490 | UHC Silver Standard |
| Dale | UnitedHealthcare | $490 | UHC Silver Standard |
| Dallas | UnitedHealthcare | $490 | UHC Silver Standard |
| DeKalb | UnitedHealthcare | $490 | UHC Silver Standard |
| Elmore | Ambetter | $496 | Standard Silver |
| Escambia | UnitedHealthcare | $490 | UHC Silver Standard |
| Etowah | Ambetter | $496 | Standard Silver |
| Fayette | UnitedHealthcare | $490 | UHC Silver Standard |
| Franklin | UnitedHealthcare | $490 | UHC Silver Standard |
| Geneva | UnitedHealthcare | $490 | UHC Silver Standard |
| Greene | UnitedHealthcare | $490 | UHC Silver Standard |
| Hale | UnitedHealthcare | $490 | UHC Silver Standard |
| Henry | UnitedHealthcare | $490 | UHC Silver Standard |
| Houston | UnitedHealthcare | $490 | UHC Silver Standard |
| Jackson | UnitedHealthcare | $490 | UHC Silver Standard |
| Jefferson | UnitedHealthcare | $490 | UHC Silver Standard |
| Lamar | UnitedHealthcare | $490 | UHC Silver Standard |
| Lauderdale | UnitedHealthcare | $490 | UHC Silver Standard |
| Lawrence | UnitedHealthcare | $490 | UHC Silver Standard |
| Lee | Ambetter | $496 | Standard Silver |
| Limestone | UnitedHealthcare | $490 | UHC Silver Standard |
| Lowndes | Ambetter | $496 | Standard Silver |
| Macon | UnitedHealthcare | $490 | UHC Silver Standard |
| Madison | UnitedHealthcare | $490 | UHC Silver Standard |
| Marengo | UnitedHealthcare | $490 | UHC Silver Standard |
| Marion | UnitedHealthcare | $490 | UHC Silver Standard |
| Marshall | UnitedHealthcare | $490 | UHC Silver Standard |
| Mobile | Ambetter | $496 | Standard Silver |
| Monroe | UnitedHealthcare | $490 | UHC Silver Standard |
| Montgomery | Ambetter | $496 | Standard Silver |
| Morgan | UnitedHealthcare | $490 | UHC Silver Standard |
| Perry | UnitedHealthcare | $490 | UHC Silver Standard |
| Pickens | UnitedHealthcare | $490 | UHC Silver Standard |
| Pike | UnitedHealthcare | $490 | UHC Silver Standard |
| Randolph | UnitedHealthcare | $490 | UHC Silver Standard |
| Russell | Ambetter | $496 | Standard Silver |
| Shelby | UnitedHealthcare | $490 | UHC Silver Standard |
| St. Clair | UnitedHealthcare | $490 | UHC Silver Standard |
| Sumter | UnitedHealthcare | $490 | UHC Silver Standard |
| Talladega | UnitedHealthcare | $490 | UHC Silver Standard |
| Tallapoosa | UnitedHealthcare | $490 | UHC Silver Standard |
| Tuscaloosa | UnitedHealthcare | $490 | UHC Silver Standard |
| Walker | UnitedHealthcare | $490 | UHC Silver Standard |
| Washington | UnitedHealthcare | $490 | UHC Silver Standard |
| Wilcox | UnitedHealthcare | $490 | UHC Silver Standard |
| Winston | UnitedHealthcare | $490 | UHC Silver Standard |
How to Find the Cheapest Health Insurance in Alabama
Follow these steps to find affordable health insurance in Alabama:
- 1
Determine what coverage plan you need and can afford
Depending on your personal health circumstances and income, your type of coverage plan and tier needed will differ widely. To decide how much health insurance you should get, calculate how much income you can put aside for monthly premiums, consider your health, and determine your risk for injury or disease based on your location, age and habits.
- 2
Find out your subsidy eligibility
Individuals with incomes ranging from $14,580 to $54,000 qualify for premium tax credits, offering 40% to 100% cost reductions. Those earning below 250% of the Federal Poverty Level ($36,450) can qualify for cost-sharing reductions, which lower out-of-pocket expenses by up to 73%.
- 3
Consider federal programs if old enough
If you're old enough, consider Medicare/Medicaid programs, Medicare Advantage plans and Medicare Supplement plans in the state. They're often cheaper than traditional options and allow more flexibility with coverage choices.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Open Enrollment
Compare available plans during the Open Enrollment period from November 1 to January 15. Consider types of coverage, customer ratings, costs and in-network providers. If you've experienced a qualifying life event, you may also access Special Enrollment, allowing you more time to choose the right plan.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
Apply for coverage at least five days before the deadline to avoid technical issues. Have your income documentation, Social Security numbers, and immigration documents ready when applying to ensure a smooth enrollment process.
Most Affordable Health Insurance in Alabama: Bottom Line
Alabama's most affordable health insurance companies are Blue Cross Blue Shield, Ambetter, UnitedHealthcare, Health First and Humana. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Alabama Health Insurance: FAQ
Below are frequently asked questions about cheap health insurance in Alabama:
What is the cheapest health insurance in Alabama?
Blue Cross Blue Shield offers the cheapest health insurance in Alabama, with silver plans starting at $217 for 40-year-olds. To match your specific needs and budget, explore plans from Ambetter, UnitedHealthcare and others.
What are the downsides of a cheap health insurance plan?
Although you'll pay a lower monthly premium for a cheap health insurance plan, you may pay higher out-of-pocket costs when accessing health care services. More expensive plans cover more comprehensive services and considerably lower your out-of-pocket maximums.
Do I qualify for subsidies on health insurance in Alabama?
People earning between $14,580 and $54,000 annually qualify for premium tax credits that can reduce costs by 40% to 100%, potentially lowering premiums to $0 for those under 150% of the Federal Poverty Level.
When can I enroll in health insurance in Alabama?
Open Enrollment runs from November 1 to January 15 annually, with Special Enrollment Periods available year-round for qualifying life events like job loss, marriage or birth.
How We Decided the Cheapest Health Insurance Companies in Alabama
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Alabama based on consumers aged 18, 26, 40, 50 and 60. We considered the cheapest overall to be those that have the lowest monthly premium costs for 40-year-olds due to most in the state being near this age demographically and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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.