2027 ACA marketplace plans in Lauderdale County, Alabama
Updated with 2027 plan data from HealthCare.gov.
Lauderdale County, Alabama has 49 ACA marketplace plans from 3 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $411 to $1,129 and a benchmark (second-lowest-cost silver) plan at $718 per month, before any premium tax credit, per HealthCare.gov plan data. For help choosing or enrolling in a plan, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
Plan data retrieved November 2, 2026 from HealthCare.gov. Premiums shown are full price for one 40-year-old non-smoker, before any premium tax credit.
2027 plan table
| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Alabama | Blue Protect | Catastrophic | $410.79 | $12,000 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue Statewide Bronze EPO | Bronze | $464.39 | $9,500 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Statewide Bronze EPO | Bronze | $516.96 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Bronze | Bronze | $519.54 | $7,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Bronze | $532.90 | $11,750 | $11,750 |
| Blue Cross and Blue Shield of Alabama | Blue Saver Bronze | Bronze | $548.34 | $8,500 | $11,000 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin, No Referrals) | Bronze | $549.71 | $7,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision, No Referrals) | Bronze | $568.05 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue HSA Bronze | Bronze | $578.19 | $7,900 | $7,900 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Bronze | $603.04 | $0 | $12,000 |
| Ambetter of Alabama | Signature Expanded Bronze | Bronze | $603.07 | $7,500 | $12,000 |
| Ambetter of Alabama | Everyday Bronze | Bronze | $612.06 | $9,350 | $11,000 |
| Ambetter of Alabama | Signature Expanded Bronze + Vision + Adult Dental | Bronze | $619.19 | $7,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision, No Referrals) | Bronze | $621.37 | $0 | $12,000 |
| Ambetter of Alabama | Everyday Bronze + Vision + Adult Dental | Bronze | $628.41 | $9,350 | $11,000 |
| Ambetter of Alabama | Elite Bronze | Bronze | $676.25 | $0 | $11,900 |
| Ambetter of Alabama | Elite Bronze + Vision + Adult Dental | Bronze | $694.32 | $0 | $11,900 |
| Ambetter of Alabama | Streamlined Silver | Silver | $703.67 | $4,700 | $11,300 |
| Ambetter of Alabama | Signature Silver | Silver | $718.23 | $6,400 | $10,300 |
| Ambetter of Alabama | Focused Silver | Silver | $728.82 | $6,300 | $9,600 |
| Ambetter of Alabama | Enhanced Diabetes Care Silver $0 Rx Options | Silver | $737.38 | $5,000 | $10,000 |
| Ambetter of Alabama | Signature Silver + Vision + Adult Dental | Silver | $737.42 | $6,400 | $10,300 |
| Ambetter of Alabama | Focused Silver + Vision + Adult Dental | Silver | $748.29 | $6,300 | $9,600 |
| Ambetter of Alabama | Signature Gold | Gold | $754.73 | $2,500 | $8,600 |
| Ambetter of Alabama | Enhanced Diabetes Care Silver $0 Rx Options + Vision + Adult Dental | Silver | $757.08 | $5,000 | $10,000 |
| Blue Cross and Blue Shield of Alabama | Blue Statewide Silver EPO | Silver | $759.04 | $4,000 | $10,000 |
| Ambetter of Alabama | Clear Gold | Gold | $764.41 | $1,200 | $9,150 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Statewide Silver EPO | Silver | $769.70 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Silver | Silver | $773.66 | $6,400 | $10,300 |
| Ambetter of Alabama | Signature Gold + Vision + Adult Dental | Gold | $774.90 | $2,500 | $8,600 |
| Ambetter of Alabama | Clear Gold + Vision + Adult Dental | Gold | $784.84 | $1,200 | $9,150 |
| Ambetter of Alabama | Complete Gold | Gold | $793.73 | $1,450 | $9,500 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin, No Referrals) | Silver | $811.19 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Standard- ($0 Insulin, No Referrals) | Silver | $811.27 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Alabama | Blue Cross Select Silver | Silver | $814.84 | $5,000 | $10,600 |
| Ambetter of Alabama | Complete Gold + Vision + Adult Dental | Gold | $814.93 | $1,450 | $9,500 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $0 Insulin, No Referrals) | Silver | $823.06 | $3,500 | $10,000 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, No Referrals) | Silver | $831.04 | $0 | $11,500 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals) | Silver | $841.39 | $3,500 | $10,000 |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals) | Silver | $849.37 | $0 | $11,500 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin, No Referrals) | Gold | $879.65 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $907.17 | $750 | $8,000 |
| Blue Cross and Blue Shield of Alabama | Blue Value Silver | Silver | $914.19 | $3,500 | $12,000 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Gold | $925.50 | $750 | $8,000 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $927.49 | $0 | $7,900 |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Gold | $945.83 | $0 | $7,900 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Gold | Gold | $982.53 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Alabama | Blue Cross Select Gold | Gold | $1,062.29 | $850 | $6,000 |
| Blue Cross and Blue Shield of Alabama | Blue Value Gold | Gold | $1,129.04 | $750 | $6,000 |
Questions about 2027 plans in Lauderdale County
- How many ACA plans are available in Lauderdale County for 2027?
- Lauderdale County, Alabama has 49 ACA marketplace plans from 3 insurers for 2027, per HealthCare.gov plan data.
- What is the 2027 benchmark (second-lowest-cost silver) premium in Lauderdale County?
- The 2027 benchmark (second-lowest-cost silver) premium in Lauderdale County is $718 per month for a 40-year-old before tax credits.
- What is the cheapest 2027 plan in Lauderdale County?
- The cheapest 2027 plan in Lauderdale County is Blue Protect from Blue Cross and Blue Shield of Alabama, a Catastrophic plan at $411 per month for a 40-year-old before tax credits.
- When is Open Enrollment for 2027 coverage?
- In states that use HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
- How do I get help choosing or enrolling?
- For help choosing or enrolling in a plan, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116. You can also enroll yourself at HealthCare.gov.
Insurers in this county
- Ambetter of Alabama — all 2027 Ambetter of Alabama plans in Alabama
- UnitedHealthcare — all 2027 UnitedHealthcare plans in Alabama
- Blue Cross and Blue Shield of Alabama — all 2027 Blue Cross and Blue Shield of Alabama plans in Alabama
Sources
- HealthCare.gov plan data — plan, premium, deductible and out-of-pocket figures on this page come from the CMS Marketplace API that powers HealthCare.gov window shopping, refreshed at most every 24 hours.