Silver health insurance plans in Alabama (2026)
There are 21 Silver plans on the Alabama Marketplace from 4 insurers, and they are not interchangeable — premiums run from $456 to $554 a month for the same metal tier. Here is what separates them.
Alabama Silver premiums rank 14th cheapest of 35.
Averaged across all 21 plans, Silver coverage in Alabama costs $500 a month before subsidies — 14th lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.
Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.
What a Silver plan costs in Alabama in 2026
Across all 21 Silver plans in Alabama, monthly premiums run from $456 to $554, averaging $500. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Alabama enrollees, often to a fraction of the sticker price.
Silver plan deductibles in Alabama
Silver deductibles in Alabama run from $3,500 to $6,300, with a median of $6,000 across the 19 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $5,263 because the spread is not symmetric. The other 2 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.
Silver out-of-pocket maximums in Alabama
Individual out-of-pocket maximums on Alabama Silver plans run from $8,400 to $10,600, with a median of $8,900. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.
The cheapest Silver plans in Alabama
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| Blue Statewide Silver EPOBlue Cross and Blue Shield of Alabama | $456 | $3,500 | $9,450 |
| UHC Silver Standard (No Referrals)UnitedHealthcare | $466 | $6,000 | $8,900 |
| Blue Standardized Statewide Silver EPOBlue Cross and Blue Shield of Alabama | $468 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals)UnitedHealthcare | $468 | $3,500 | $8,900 |
| Blue Cross Select SilverBlue Cross and Blue Shield of Alabama | $469 | $5,000 | $10,600 |
Showing 5 of 21. See all Alabama Silver plans →
Silver plans by insurer
| Insurer | Silver plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Alabama | 7 | $456 | $484 | $3,500–$6,000 |
| Ambetter of Alabama | 6 | $496 | $513 | $5,000–$6,300 |
| UnitedHealthcare | 5 | $466 | $474 | $3,500–$6,000 |
| Oscar Insurance Company | 3 | $549 | $552 | $5,900–$6,300 |
How Silver compares to the rest
States with similar Silver premiums
Alabama Silver plans, answered
What are the copays on Alabama Silver plans?
Who is eligible for a Silver plan in Alabama?
What is the deductible on Alabama Silver plans?
Are Silver plans available in my Alabama county?
When can I enroll in a Marketplace plan in Alabama?
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