Marketplace health plans in Shelby County

Name: Marketplace health plans in Shelby County, AL: all 54
Creator: Centers for Medicare & Medicaid Services
License: https://www.usa.gov/publicdomain/label/1.0/

54 plans sold in Shelby County, Alabama, from 4 insurers, priced at age 21.

What people in Shelby County actually paid

The prices below are the sticker price. Most people do not pay it. In 2026, the average plan in Shelby County listed at $750 a month and the average person paid $173 after the advance premium tax credit.

4,454 of the 15,389 people who enrolled here — 28.9% — paid $10 a month or less.

What you pay depends on your income and your household, and only HealthCare.gov can work it out for you. These are the county's published averages, not a quote.

Premiums at age 21: 21 27 30 40 50 60

Plan	Metal	Type	Premium at 21	Deductible	Max out of pocket
Blue Protect Blue Cross and Blue Shield of Alabama	Catastrophic	PPO	$338.51	$10,600	$10,600
UHC Bronze Essential (No Referrals) UnitedHealthcare	Bronze	EPO	$344.68	$10,600	$10,600
UHC Bronze Standard (No Referrals) UnitedHealthcare	Expanded Bronze	EPO	$365.17	$7,500	$10,000
Blue Saver Bronze Blue Cross and Blue Shield of Alabama	Expanded Bronze	PPO	$369.58	$8,500	$10,600
Blue Standardized Bronze Blue Cross and Blue Shield of Alabama	Expanded Bronze	PPO	$372.35	$7,500	$10,000
UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare	Expanded Bronze	EPO	$379.66	$7,500	$10,000
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare	Expanded Bronze	EPO	$381.90	$0	$10,600
Blue HSA Bronze Blue Cross and Blue Shield of Alabama	Expanded Bronze	PPO	$403.16	$7,200	$7,200
Everyday Bronze Ambetter of Alabama	Expanded Bronze	EPO	$410.83	$8,450	$10,150
Standard Expanded Bronze Ambetter of Alabama	Expanded Bronze	EPO	$411.25	$7,500	$10,000
Everyday Bronze + Vision + Adult Dental Ambetter of Alabama	Expanded Bronze	EPO	$427.53	$8,450	$10,150
Standard Expanded Bronze + Vision + Adult Dental Ambetter of Alabama	Expanded Bronze	EPO	$427.97	$7,500	$10,000
Elite Bronze Ambetter of Alabama	Expanded Bronze	EPO	$474.34	$0	$10,500
Blue Saver Silver EPO Blue Cross and Blue Shield of Alabama	Silver	EPO	$489.11	$4,000	$9,450
Elite Bronze + Vision + Adult Dental Ambetter of Alabama	Expanded Bronze	EPO	$493.62	$0	$10,500
Bronze Classic Standard Oscar Insurance Company	Expanded Bronze	EPO	$494.06	$7,500	$10,000
Bronze Classic 4700 Oscar Insurance Company	Expanded Bronze	EPO	$502.84	$4,700	$9,800
Blue Standardized Silver EPO Blue Cross and Blue Shield of Alabama	Silver	EPO	$510.52	$6,000	$8,900
Bronze Simple Chronic Care CKM Oscar Insurance Company	Expanded Bronze	EPO	$512.70	$5,500	$10,150
Blue Statewide Silver EPO Blue Cross and Blue Shield of Alabama	Silver	EPO	$518.47	$3,500	$9,450
Blue Standardized Statewide Silver EPO Blue Cross and Blue Shield of Alabama	Silver	EPO	$531.68	$6,000	$8,900
Blue Cross Select Silver Blue Cross and Blue Shield of Alabama	Silver	PPO	$533.10	$5,000	$10,600
Standard Silver Ambetter of Alabama	Silver	EPO	$533.22	$6,000	$8,900
Blue Standardized Silver Blue Cross and Blue Shield of Alabama	Silver	PPO	$537.05	$6,000	$8,900
Focused Silver Ambetter of Alabama	Silver	EPO	$539.39	$6,300	$8,400
Bronze Elite + PCP Saver Plus Oscar Insurance Company	Expanded Bronze	EPO	$539.91	$0	$10,600
Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Alabama	Silver	EPO	$549.62	$5,000	$8,650
Standard Silver + Vision + Adult Dental Ambetter of Alabama	Silver	EPO	$554.91	$6,000	$8,900
Standard Gold Ambetter of Alabama	Gold	EPO	$556.09	$2,000	$8,200
UHC Silver Standard (No Referrals) UnitedHealthcare	Silver	EPO	$560.79	$6,000	$8,900
Focused Silver + Vision + Adult Dental Ambetter of Alabama	Silver	EPO	$561.32	$6,300	$8,400
UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare	Silver	EPO	$563.51	$3,500	$8,900
UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare	Silver	EPO	$568.94	$0	$10,150
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Alabama	Silver	EPO	$571.97	$5,000	$8,650
UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare	Silver	EPO	$577.99	$3,500	$8,900
Standard Gold + Vision + Adult Dental Ambetter of Alabama	Gold	EPO	$578.70	$2,000	$8,200
UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare	Silver	EPO	$583.43	$0	$10,150
Complete Gold Ambetter of Alabama	Gold	EPO	$586.65	$1,450	$7,500
Blue Value Silver Blue Cross and Blue Shield of Alabama	Silver	PPO	$595.50	$3,700	$10,600
Complete Gold + Vision + Adult Dental Ambetter of Alabama	Gold	EPO	$610.50	$1,450	$7,500
UHC Gold Standard (No Referrals) UnitedHealthcare	Gold	EPO	$618.39	$2,000	$8,200
UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare	Gold	EPO	$620.73	$750	$8,000
Silver Classic Standard Oscar Insurance Company	Silver	EPO	$632.69	$6,000	$8,900
UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare	Gold	EPO	$635.88	$750	$8,000
Silver Simple Oscar Insurance Company	Silver	EPO	$637.84	$6,300	$9,300
Silver Simple Chronic Care CKM Oscar Insurance Company	Silver	EPO	$638.32	$5,900	$10,150
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare	Gold	EPO	$638.68	$0	$7,000
Elite Gold Ambetter of Alabama	Gold	EPO	$640.46	$0	$6,500
Blue Standardized Gold Blue Cross and Blue Shield of Alabama	Gold	PPO	$655.54	$2,000	$8,200
Elite Gold + Vision + Adult Dental Ambetter of Alabama	Gold	EPO	$666.50	$0	$6,500
Blue Cross Select Gold Blue Cross and Blue Shield of Alabama	Gold	PPO	$688.48	$850	$6,000
Gold Simple Oscar Insurance Company	Gold	EPO	$699.86	$3,300	$9,950
Gold Classic Standard Oscar Insurance Company	Gold	EPO	$704.17	$2,000	$8,200
Blue Value Gold Blue Cross and Blue Shield of Alabama	Gold	PPO	$723.52	$750	$6,000

Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.

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When next year’s premiums are posted for Shelby County, or an insurer arrives or leaves.

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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. What people actually paid comes from the CMS open-enrollment county public use file for 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.