Alabama
Cheapest ACA plans in Jefferson County, Alabama for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Jefferson County, Alabama has 4 on-exchange carriers offering 54 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is UnitedHealthcare UHC Bronze Essential (No Referrals) at $441 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Jefferson County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Jefferson County |
|---|---|---|
| Catastrophic | $433 | 1 |
| Bronze | $441 | 1 |
| Expanded Bronze | $467 | 16 |
| Silver | $625 | 21 |
| Gold | $711 | 15 |
The actual cheapest Bronze plan in Jefferson County
UnitedHealthcare UHC Bronze Essential (No Referrals)
$441/moFor a family of four (two 40-year-olds and two kids under 14): UnitedHealthcare Insurance Company UHC Bronze Standard at $1,394/month before subsidies.
Carriers selling 2026 plans in Jefferson County
4 carriers sell 2026 plans on Healthcare.gov. 57 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Ambetter | 18 |
| BlueCross BlueShield of Alabama | 14 |
| UnitedHealthcare | 13 |
| Oscar | 9 |
What you'll actually pay in Jefferson County
Estimated monthly net premium for the cheapest Bronze plan above ($441/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Jefferson Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $556/mo | $0/mo |
| $40,000 | 256% | $366/mo | $75/mo |
| $60,000 | 383% | $155/mo | $286/mo |
| $100,000 | 639% | — | $441/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | $2,016/mo | $0/mo |
| $80,000 | 249% | $1,527/mo | $0/mo |
| $130,000 | 404% | — | $1,394/mo |
| $200,000 | 622% | — | $1,394/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Jefferson County, Alabama for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is UnitedHealthcare UHC Bronze Essential (No Referrals) at $441 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Does Alabama use Healthcare.gov?
Yes. Alabama participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Alabama does not operate a state-based exchange for PY2026.
Has Alabama expanded Medicaid?
No. Alabama has not adopted ACA Medicaid expansion. Alabama Medicaid for non-disabled adults is very narrow (parents roughly below 18% FPL, pregnant women, and categorically needy groups), which leaves a large coverage gap for low-income working adults without children.
How big is the Alabama coverage gap?
Estimates range from roughly 100,000 to 200,000 Alabamians: adults earning below 100% FPL who are not eligible for Medicaid under state rules and therefore cannot receive federal premium tax credits either. Options include community health centers, hospital charity care, and county indigent-care programs.
More Alabama pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Alabama Department of Insurance: Health Insurance for state regulatory oversight of individual-market filings and rate review.
- Alabama Medicaid Agency for state Medicaid eligibility categories under non-expansion rules.
- KFF: Alabama State Health Facts for Medicaid expansion status, coverage gap estimates, and enrollment counts.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.