Alabama · 2027 Open Enrollment
Alabama ACA health insurance for 2027
Open Enrollment for 2027 Alabama Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in Alabama and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.
What's new in Alabama for 2027
All four insurers that sold 2026 Marketplace plans in Alabama are returning for 2027. Oscar joined the market for 2026.
Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.
How to enroll in Alabama
Alabama residents enroll through HealthCare.gov, the federal Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:
- Enter your Alabama ZIP code, household size and estimated 2027 income.
- Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
- Pick a plan, submit your application and pay your first premium to activate coverage.
Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).
2027 Alabama Marketplace insurers
- Blue Cross and Blue Shield of Alabama
- UnitedHealthcare
- Ambetter from Alabama (Celtic)
- Oscar Health
Not every insurer sells plans in every county. Source: healthinsurance.org Alabama Marketplace guide and state rate filings, September 2026.
Medicaid and the coverage gap in Alabama
Alabama has not expanded Medicaid, so many adults with income below the poverty level don't qualify for Medicaid or Marketplace tax credits. If your household may qualify for Alabama Medicaid and ALL Kids, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.
Where we help in Alabama
We enroll individuals, families, self-employed workers and early retirees across Alabama, including Birmingham, Huntsville, Montgomery, Mobile and Tuscaloosa, plus rural counties. Everything is handled by phone and online, so there's no office visit.
Frequently asked questions
When is Open Enrollment for 2027 health insurance in Alabama?
Open Enrollment for 2027 coverage in Alabama runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
How much are ACA premiums going up in Alabama for 2027?
Insurers' approved 2027 rates in Alabama average about 25% before subsidies, according to rate filings tracked by healthinsurance.org. What you actually pay depends on your plan, age, ZIP code and tax credit.
Which insurers sell Marketplace plans in Alabama for 2027?
Insurers offering Alabama Marketplace coverage for 2027 include Blue Cross and Blue Shield of Alabama, UnitedHealthcare, Ambetter from Alabama (Celtic), Oscar Health. Availability varies by county.
Did Alabama expand Medicaid?
Alabama has not expanded Medicaid, so many adults with income below the poverty level don't qualify for Medicaid or Marketplace tax credits.
Can a licensed agent help me enroll in Alabama by phone?
Yes. Larry Hamilton (NPN #11384312) is licensed in Alabama and helps residents compare and enroll in ACA Marketplace plans by phone or online at no extra cost.