ACA marketplace plans in Madison County, Alabama (2026)
Madison County, Alabama has 52 ACA marketplace plans from 4 insurers in 2026, with monthly premiums for a 40-year-old ranging from $435 to $929 and a benchmark (second-lowest-cost silver) plan at $683 per month.
Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | $375.43 | $479.80 | $1,018.92 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Alabama | Blue Protect | Catastrophic | $340.20 | $434.78 | $923.31 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Alabama | Blue Saver Bronze | Expanded Bronze | $371.43 | $474.68 | $1,008.06 | $8,500 | $10,600 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Bronze | Expanded Bronze | $374.21 | $478.24 | $1,015.61 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | $397.75 | $508.32 | $1,079.49 | $7,500 | $10,000 |
| Blue Cross and Blue Shield of Alabama | Blue HSA Bronze | Expanded Bronze | $405.18 | $517.81 | $1,099.65 | $7,200 | $7,200 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | $413.53 | $528.49 | $1,122.31 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | $415.97 | $531.61 | $1,128.95 | $0 | $10,600 |
| Ambetter of Alabama | Everyday Bronze | Expanded Bronze | $427.57 | $546.42 | $1,160.40 | $8,450 | $10,150 |
| Ambetter of Alabama | Standard Expanded Bronze | Expanded Bronze | $428.01 | $546.98 | $1,161.59 | $7,500 | $10,000 |
| Oscar Insurance Company | Bronze Classic Standard | Expanded Bronze | $428.94 | $548.17 | $1,164.12 | $7,500 | $10,000 |
| Oscar Insurance Company | Bronze Classic 4700 | Expanded Bronze | $436.57 | $557.92 | $1,184.82 | $4,700 | $9,800 |
| Ambetter of Alabama | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $444.96 | $568.64 | $1,207.59 | $8,450 | $10,150 |
| Oscar Insurance Company | Bronze Simple Chronic Care CKM | Expanded Bronze | $445.13 | $568.86 | $1,208.05 | $5,500 | $10,150 |
| Ambetter of Alabama | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $445.41 | $569.22 | $1,208.82 | $7,500 | $10,000 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Expanded Bronze | $468.75 | $599.05 | $1,272.16 | $0 | $10,600 |
| Ambetter of Alabama | Elite Bronze | Expanded Bronze | $493.67 | $630.90 | $1,339.80 | $0 | $10,500 |
| Ambetter of Alabama | Elite Bronze + Vision + Adult Dental | Expanded Bronze | $513.75 | $656.55 | $1,394.28 | $0 | $10,500 |
| Ambetter of Alabama | Standard Gold | Gold | $578.76 | $739.64 | $1,570.71 | $2,000 | $8,200 |
| Ambetter of Alabama | Standard Gold + Vision + Adult Dental | Gold | $602.29 | $769.71 | $1,634.58 | $2,000 | $8,200 |
| Oscar Insurance Company | Gold Simple | Gold | $607.62 | $776.53 | $1,649.05 | $3,300 | $9,950 |
| Ambetter of Alabama | Complete Gold | Gold | $610.56 | $780.29 | $1,657.05 | $1,450 | $7,500 |
| Oscar Insurance Company | Gold Classic Standard | Gold | $611.36 | $781.31 | $1,659.20 | $2,000 | $8,200 |
| Ambetter of Alabama | Complete Gold + Vision + Adult Dental | Gold | $635.39 | $812.02 | $1,724.42 | $1,450 | $7,500 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Gold | Gold | $658.82 | $841.97 | $1,788.03 | $2,000 | $8,200 |
| Ambetter of Alabama | Elite Gold | Gold | $666.57 | $851.86 | $1,809.04 | $0 | $6,500 |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | $673.56 | $860.81 | $1,828.04 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | $676.10 | $864.06 | $1,834.94 | $750 | $8,000 |
| Blue Cross and Blue Shield of Alabama | Blue Cross Select Gold | Gold | $691.92 | $884.28 | $1,877.88 | $850 | $6,000 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | $692.60 | $885.15 | $1,879.72 | $750 | $8,000 |
| Ambetter of Alabama | Elite Gold + Vision + Adult Dental | Gold | $693.67 | $886.50 | $1,882.60 | $0 | $6,500 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | $695.66 | $889.05 | $1,888.01 | $0 | $7,000 |
| Blue Cross and Blue Shield of Alabama | Blue Value Gold | Gold | $727.14 | $929.28 | $1,973.45 | $750 | $6,000 |
| Blue Cross and Blue Shield of Alabama | Blue Statewide Silver EPO | Silver | $521.06 | $665.92 | $1,414.16 | $3,500 | $9,450 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Statewide Silver EPO | Silver | $534.34 | $682.88 | $1,450.19 | $6,000 | $8,900 |
| Blue Cross and Blue Shield of Alabama | Blue Cross Select Silver | Silver | $535.77 | $684.71 | $1,454.07 | $5,000 | $10,600 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Silver | Silver | $539.74 | $689.78 | $1,464.84 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Classic Standard | Silver | $549.30 | $702.00 | $1,490.78 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Simple | Silver | $553.77 | $707.71 | $1,502.91 | $6,300 | $9,300 |
| Oscar Insurance Company | Silver Simple Chronic Care CKM | Silver | $554.19 | $708.25 | $1,504.05 | $5,900 | $10,150 |
| Ambetter of Alabama | Standard Silver | Silver | $554.96 | $709.23 | $1,506.14 | $6,000 | $8,900 |
| Ambetter of Alabama | Focused Silver | Silver | $561.38 | $717.43 | $1,523.55 | $6,300 | $8,400 |
| Ambetter of Alabama | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | $572.03 | $731.04 | $1,552.46 | $5,000 | $8,650 |
| Ambetter of Alabama | Standard Silver + Vision + Adult Dental | Silver | $577.53 | $738.06 | $1,567.38 | $6,000 | $8,900 |
| Ambetter of Alabama | Focused Silver + Vision + Adult Dental | Silver | $584.20 | $746.60 | $1,585.49 | $6,300 | $8,400 |
| Ambetter of Alabama | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | $595.29 | $760.77 | $1,615.58 | $5,000 | $8,650 |
| Blue Cross and Blue Shield of Alabama | Blue Value Silver | Silver | $598.48 | $764.85 | $1,624.27 | $3,700 | $10,600 |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | $610.82 | $780.63 | $1,657.77 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, No Referrals) | Silver | $613.78 | $784.41 | $1,665.79 | $3,500 | $8,900 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | $619.70 | $791.97 | $1,681.85 | $0 | $10,150 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | $629.56 | $804.57 | $1,708.62 | $3,500 | $8,900 |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | $635.47 | $812.14 | $1,724.68 | $0 | $10,150 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.