Alabama Health Insurance Plans
With a population of almost 4,900,000 Alabama is the 24th most populated state in the country. There are many factors that go into calculating the rate you pay for your health insurance. Below is a breakdown of how much other people in Alabama typically pay for coverage based on different factors. To learn more about your health insurance options in Alabama, check out Alabama Health Insurance.
Health Insurance Age Range Premiums for Alabama
In Alabama, the typical customer 26 and younger will pay $182.81 per month while a person over 56 years old will pay over $414.88 per month.
Age Range Premiums
| Age Range | Premium |
|---|---|
| < 26 | $182.81 |
| 26 - 35 | $238.92 |
| 36 - 45 | $316.88 |
| 46 - 56 | $276.77 |
| > 56 | $414.88 |
Health Insurance Smoker Premiums for Alabama
As with all states, customers in Alabama who smoke may pay a higher premium for their health insurance than those customers who are non-smokers. In Alabama, smokers pay $295.12 while non-smokers pay $327.88 on average.
Smoker vs. Non-Smoker
| Smoker? | Average of Health Premium |
|---|---|
| Non-Smoker | $327.88 |
| Smoker | $295.12 |
Affordable Health Insurance by City for Alabama
These cities had the most affordable health insurance premiums across Alabama in 2019.
Most Affordable City Premiums in Alabama Health Insurance
| City | Average of Health Premium |
|---|---|
| Somerville | $121.59 |
| Trussville | $147.19 |
| Jasper | $154.81 |
| Montevallo | $154.81 |
| Millbrook | $175.03 |
| Oxford | $187.00 |
| Ozark | $189.89 |
| Wilmer | $195.59 |
| Greenville | $203.55 |
| Talladega | $206.28 |
Most Expensive Cities for Health Insurance in Alabama
These cities had the most expensive health insurance premiums across Alabama in 2019.
Most Expensive City Premiums in Alabama Health Insurance
| City | Average of Health Premium |
|---|---|
| Mountain Brook | $462.82 |
| Carrollton | $484.45 |
| Boaz | $494.99 |
| Lillian | $504.16 |
| Madison | $537.35 |
| Seminole | $560.18 |
| Woodland | $577.70 |
| Smiths Station | $805.10 |
| Maylene | $807.30 |
| Killen | $846.42 |
Health Insurance Open Enrollment for Alabama
Open enrollment periods do vary by state and insurance type. Alabama relies on the federal exchange of the Affordable Care Act. Residents may enroll for health insurance on HealthCare.gov. Approximately 95% of the state’s residents who use the federal exchange will take advantage of the premium subsidies. Alabama insurance companies that participate in the federal exchange include: Blue Cross Blue Shield and Bright Health Insurance.
Alabama’s Open Enrollment for 2021 Affordable Care Act is November 1, 2020- December 15, 2020. The special enrollment period is December 16, 2020-October 31, 2021
Medicare Enrollment for Alabama
Medicare open enrollment dates also vary by state. Alabama 2021 Medicare Open Enrollment is October 15, 2022 December 7, 2020. The General Enrollment Period begins January 1, 2021 and will end March 31, 2021. The Medicare Advantage Open Enrollment Period is from January 1, 2021 to March 31, 2021.
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