Best health Insurance plans in
Alabama
in 2025

Explore top Alabama health insurance plans through Venteur's user-friendly platform. We understand Heart of Dixie residents need the best health insurance in Alabama that's affordable and comprehensive. Our marketplace connects you with top insurance carriers offering diverse plan options to meet your specific needs. From Birmingham to Mobile, we help individuals, families, and businesses find coverage providing excellent care without breaking the budget, including innovative ICHRA solutions.

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Get a quote
Market overview
3

Health insurance carriers on the marketplace

43

Plans available on the marketplace

5%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Alabama
Plans

Discover the best health plans in Alabama

Great Value
UnitedHealthcare
Expanded Bronze
EPO
Great Value
Great Value
Great Value
$
$
359.96
/mo
/mo

UHC Bronze Value ($0 Virtual Urgent Care + $0 PCP Visits, $5 Tier 2 Rx, $0 Insulin, No Referrals)

Deductible:
In-Network: $8,300 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $0 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $0 / Out-of-Network: Not Covered
Great Coverage
BlueCross BlueShield of Alabama
Silver
PPO
Great Coverage
Great Coverage
Great Coverage
$
$
495.25
/mo
/mo

Blue Standardized Silver

Deductible:
In-Network: $5,900 / Out-of-Network: $11,800
Primary Care Visits:
In-Network: $40 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $20 / Out-of-Network: Not Covered
Balanced Pick
BlueCross BlueShield of Alabama
Gold
PPO
Balanced Pick
Balanced Pick
Balanced Pick
$
$
642.35
/mo
/mo

Blue Value Gold

Deductible:
In-Network: $750 / Out-of-Network: $1,500
Primary Care Visits:
In-Network: $25 / In-Network-Tier-2: $40 / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $10 / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Insurance providers available in Alabama

How it works

Get these plans for my team

1

Sign up for Venteur ICHRA

Venteur’s ICHRA for companies empower employees to protect their health and be their best with flexible, individualized plans that are easy to understand and highly protective.

2

Set a budget

Take control of your benefits strategy with Venteur's user-friendly interface, allowing you to dial in your plan with precision and flexibility, ensuring it aligns perfectly with your company's unique needs and goals.

3

Employees pick their own plan from the marketplace

Launch your benefits to your employees through Venteur's platform, providing them with immediate access to comprehensive coverage and resources tailored to their well-being.

Compare Plans

Taking down group plans one premium at a time

*
Venteur
ICHRA magic
-
Group Plan
Ho-hum
Responsibility taken by the individual market plan
Personalized plan choices
Easy and flexible plan design
Control over premium increases
No minimums for participation

FAQs

You got questions. We got answers!

Do You Have to Have Health Insurance in Alabama?
  • Alabama does not have a state mandate requiring residents to have health insurance, and there is no state-level penalty for being uninsured.
  • While the federal penalty for not having insurance was removed after 2018, it's beneficial to maintain health coverage for financial protection and access to care.

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Who Qualifies for Individual Health Insurance in Alabama?
  • Anyone who resides in Alabama and is not enrolled in an employer health plan can apply for individual or family health insurance.
  • Common qualifiers include self-employed individuals, those without group coverage, and people with changing needs or high premiums on existing plans.

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Are There Affordable Health Insurance Options for Low-Income Residents in Alabama?

Yes, several programs support low-income residents:

  • Medicaid is available for low-income families, certain adults, pregnant women, the elderly, and people with disabilities, subject to income and other eligibility requirements.
  • Cost-sharing reductions and premium subsidies on marketplace plans may be available to those meeting income guidelines.

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What Are the Benefits of Private Health Insurance in Alabama?
  • Can provide broader provider networks and access to more doctors and specialists.
  • Offers more options to customize plans to personal or family health needs, making it easier to find the right fit for your situation.

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How Do I Compare Health Insurance Plans in Alabama?
  • Review plan types, including provider networks (such as PPO or EPO), coverage levels, and monthly premiums.
  • Compare coverage options, out-of-pocket costs, star ratings, and what services are included using marketplace tools or insurer websites. Enrollment is typically open November 1 to January 15 each year.

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Speak with an expert

What is Venteur

Explore the best human-first Health Insurance platform

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Simple, personalized health benefits

Sign up in minutes, define your contribution, and let your employees choose the health plan that works right for them

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Integrations to make everything run smoothly

We'll connect with your payroll and finance systems to make deductions and premium payments seamless

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Easy onboarding and off-boarding

In just a few clicks, add your roster and make updates on the fly. We'll handle it from there.

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Venteur Certified Brokers to help your employees pick the right plan

Our trusted brokers ensure the best outcomes for employees and employers by unlocking health savings and providing unrivaled plan options.

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AI-powered plan recommendations to give you confidence while you shop

Backed by 30 years of healthcare data, Venteur’s AI helps employees compare and choose the best plan for their unique situation.

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Compliance and reporting because no-duh!

Venteur manages plan administration, reporting, and compliance so you can focus on growing your business.

See the platform

Discover the best health plans in Alabama

Great Value
UnitedHealthcare
Expanded Bronze
EPO
Great Value
Great Value
Great Value
$
$
359.96
/mo
/mo

UHC Bronze Value ($0 Virtual Urgent Care + $0 PCP Visits, $5 Tier 2 Rx, $0 Insulin, No Referrals)

Deductible:
In-Network: $8,300 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $0 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $0 / Out-of-Network: Not Covered
Great Coverage
BlueCross BlueShield of Alabama
Silver
PPO
Great Coverage
Great Coverage
Great Coverage
$
$
495.25
/mo
/mo

Blue Standardized Silver

Deductible:
In-Network: $5,900 / Out-of-Network: $11,800
Primary Care Visits:
In-Network: $40 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $20 / Out-of-Network: Not Covered
Balanced Pick
BlueCross BlueShield of Alabama
Gold
PPO
Balanced Pick
Balanced Pick
Balanced Pick
$
$
642.35
/mo
/mo

Blue Value Gold

Deductible:
In-Network: $750 / Out-of-Network: $1,500
Primary Care Visits:
In-Network: $25 / In-Network-Tier-2: $40 / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $10 / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Plans
3

Health insurance carriers on the marketplace

43

Plans available on the marketplace

5%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Insurance providers available in Alabama