Health insurance plans in Lamar County, AL (2026)
39 marketplace plans from 3 insurers are offered in Lamar County. The cheapest silver plan is $610 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 | $435 | 13 |
| Silver | $610 | 14 |
| Gold | $663 | 11 |
| Catastrophic | $398 | 1 |
All plans in Lamar County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Alabama | Blue Protect | Catastrophic | PPO | — | — | $398 |
| 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 |
| Blue Cross and Blue Shield of Alabama | Blue Statewide Silver EPO | Silver | EPO | — | — | $610 |
| 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 |
| 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 |
| 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 |
| 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 |
| Ambetter of Alabama | Standard Gold + Vision + Adult Dental | Gold | EPO | — | — | $690 |
| Ambetter of Alabama | Complete Gold | Gold | EPO | — | — | $700 |
| Blue Cross and Blue Shield of Alabama | Blue Value Silver | Silver | PPO | — | — | $700 |
| Ambetter of Alabama | Complete Gold + Vision + Adult Dental | Gold | EPO | — | — | $728 |
| Ambetter of Alabama | Elite Gold | Gold | EPO | — | — | $764 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Gold | Gold | PPO | — | — | $771 |
| Ambetter of Alabama | Elite Gold + Vision + Adult Dental | Gold | EPO | — | — | $795 |
| Oscar Insurance Company | Silver Classic Standard | Silver | EPO | — | — | $809 |
| Blue Cross and Blue Shield of Alabama | Blue Cross Select Gold | Gold | PPO | — | — | $809 |
| Oscar Insurance Company | Silver Simple | Silver | EPO | — | — | $815 |
| Oscar Insurance Company | Silver Simple Chronic Care CKM | Silver | EPO | — | — | $816 |
| Blue Cross and Blue Shield of Alabama | Blue Value Gold | Gold | PPO | — | — | $851 |
| Oscar Insurance Company | Gold Simple | Gold | EPO | — | — | $894 |
| Oscar Insurance Company | Gold Classic Standard | Gold | EPO | — | — | $900 |
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $477 |
| 40 | $610 |
| 60 | $1,295 |
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 Lamar County County?
The cheapest plan for a 40-year-old non-smoker is $398 a month (Catastrophic metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $610.
How much does health insurance cost in Lamar County County?
For a 40-year-old non-smoker the cheapest plans in Lamar County start around $398 a month before subsidies. Silver plans cost from $610; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Lamar County County?
3 insurers filed 39 plan options for this county in the 2026 CMS file.