Health insurance plans in Jefferson County, AL (2026)
54 marketplace plans from 4 insurers are offered in Jefferson County. The cheapest silver plan is $595 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $366 | 17 |
| Silver | $595 | 21 |
| Gold | $657 | 15 |
| Catastrophic | $398 | 1 |
All plans in Jefferson County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| UnitedHealthcare | UHC Bronze Essential (No Referrals) · UHC Bronze-X Essential (No Referrals) | Bronze | EPO | — | — | $366 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) · UHC Bronze-X Standard (No Referrals) | Bronze | EPO | — | — | $388 |
| Blue Cross and Blue Shield of Alabama | Blue Protect | Catastrophic | PPO | — | — | $398 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) · UHC Bronze-X Standard+ (Dental + Vision, No Referrals) | Bronze | EPO | — | — | $403 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) · UHC Bronze-X Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Bronze | EPO | $0 | — | $405 |
| Blue Cross and Blue Shield of Alabama | Blue Saver Bronze | Bronze | PPO | — | — | $435 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Bronze | Bronze | PPO | — | — | $438 |
| Blue Cross and Blue Shield of Alabama | Blue HSA Bronze | Bronze | PPO | — | — | $474 |
| Ambetter of Alabama | Everyday Bronze | Bronze | EPO | — | — | $490 |
| Ambetter of Alabama | Standard Expanded Bronze | Bronze | EPO | — | — | $491 |
| Ambetter of Alabama | Everyday Bronze + Vision + Adult Dental | Bronze | EPO | — | — | $510 |
| Ambetter of Alabama | Standard Expanded Bronze + Vision + Adult Dental | Bronze | EPO | — | — | $511 |
| Ambetter of Alabama | Elite Bronze | Bronze | EPO | $0 | — | $566 |
| Ambetter of Alabama | Elite Bronze + Vision + Adult Dental | Bronze | EPO | $0 | — | $589 |
| UnitedHealthcare | UHC Silver Standard (No Referrals) · UHC Silver-X Standard (No Referrals) | Silver | EPO | — | — | $595 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, No Referrals) · UHC Silver-X Value ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | — | — | $598 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) · UHC Silver-X Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $0 | — | $604 |
| Blue Cross and Blue Shield of Alabama | Blue Statewide Silver EPO | Silver | EPO | — | — | $610 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) · UHC Silver-X Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | — | — | $614 |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) · UHC Silver-X Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | $0 | — | $619 |
| Blue Cross and Blue Shield of Alabama | Blue Saver Silver EPO | Silver | EPO | — | — | $625 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Statewide Silver EPO | Silver | EPO | — | — | $625 |
| Blue Cross and Blue Shield of Alabama | Blue Cross Select Silver | Silver | PPO | — | — | $627 |
| Oscar Insurance Company | Bronze Classic Standard | Bronze | EPO | — | — | $631 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Silver | Silver | PPO | — | — | $631 |
| Ambetter of Alabama | Standard Silver | Silver | EPO | — | — | $636 |
| Oscar Insurance Company | Bronze Classic 4700 | Bronze | EPO | — | — | $643 |
| Ambetter of Alabama | Focused Silver | Silver | EPO | — | — | $643 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Silver EPO | Silver | EPO | — | — | $652 |
| Oscar Insurance Company | Bronze Simple Chronic Care CKM | Bronze | EPO | — | — | $655 |
| Ambetter of Alabama | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | — | — | $656 |
| UnitedHealthcare | UHC Gold Standard (No Referrals) · UHC Gold-X Standard (No Referrals) | Gold | EPO | — | — | $657 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) · UHC Gold-X Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | EPO | — | — | $659 |
| Ambetter of Alabama | Standard Silver + Vision + Adult Dental | Silver | EPO | — | — | $662 |
| Ambetter of Alabama | Standard Gold | Gold | EPO | — | — | $663 |
| Ambetter of Alabama | Focused Silver + Vision + Adult Dental | Silver | EPO | — | — | $670 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) · UHC Gold-X Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | EPO | — | — | $675 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) · UHC Gold-X Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | EPO | $0 | — | $678 |
| Ambetter of Alabama | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | — | — | $682 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Bronze | EPO | $0 | — | $690 |
Showing 40 of 54 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $466 |
| 40 | $595 |
| 60 | $1,264 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in Alabama · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Jefferson County County?
The cheapest plan for a 40-year-old non-smoker is $366 a month (Bronze metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $595.
How much does health insurance cost in Jefferson County County?
For a 40-year-old non-smoker the cheapest plans in Jefferson County start around $366 a month before subsidies. Silver plans cost from $595; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Jefferson County County?
4 insurers filed 54 plan options for this county in the 2026 CMS file.