Alabama · Insurer

Ambetter Marketplace Plans in Alabama

Updated October 7, 2026

Ambetter of Alabama, a Centene plan underwritten by Celtic Insurance Company, sold in 40 counties in 2026 and had about 66,700 members. Its approved 2027 increase, 11.4%, is the smallest in Alabama.

Not rated for 2025.
Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.

Compare plans for my ZIP codeFree. See your price after tax credits.

40 of 67Alabama counties (2026)

EPOPlan type

2 of 5CMS quality rating (2026)

+11.4%Approved 2027 change

What makes Ambetter different

Ambetter's 2027 average is 11.4%. Most of its silver and gold plans rose only about 5% to 7%; bronze plans rose more.
Enhanced Diabetes Care Silver has $0 copays for preferred insulin and select medicines, plus $0 test strips, lancets, syringes and A1c labs.
About half of its plans come in a "+ Vision + Adult Dental" version, so you can get eye and adult dental coverage in one plan.
Members can earn up to $500 a year through My Health Pays, which can go toward premiums, copays or deductibles.

Birmingham, Alabama skyline at dusk reflected in the water at Railroad Park

Is Ambetter a good fit?

A good fit if

You want the smallest approved 2027 increase in Alabama
You manage diabetes and use insulin
You want adult dental and vision in the same plan

Think twice if

All plans are EPOs, so care outside the Ambetter network isn't covered except in emergencies.
Its 2027 rate table has no rates for the Gadsden area. If you live in Etowah County, confirm Ambetter is still offered there.
CMS scored its medical care 1 of 5 stars for 2026, even though members rated their experience 5 stars.

Good starting points

From its 18 2026 plans statewide, lowest price in any Alabama rating area.

BronzeEveryday Bronze$488/monthAge 40, 2026 premium before tax creditsLowest monthly premium

BronzeElite Bronze$564/monthAge 40, 2026 premium before tax creditsLowest deductible, $0

GoldElite Gold$761/monthAge 40, 2026 premium before tax credits$5 primary care visits before the deductible

SilverEnhanced Diabetes Care Silver with $0 Drug Options$653/monthAge 40, 2026 premium before tax creditsDesigned for a specific health need

2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.

See my price after tax creditsCompare every insurer in your county and check your doctors.

Ambetter plans and prices

All 2026 Ambetter plans in Alabama

Premium is the lowest monthly premium before tax credits across Alabama rating areas. OOP max is the out-of-pocket maximum. Costs are in network, for the standard version of each plan.
Plan	Metal	Type	Premium (age 40)	Deductible	OOP max	Primary care	Specialist	Generic Rx	HSA	Counties
Everyday Bronze	MetalBronze	TypeEPO	Premium (age 40)$488	Deductible$8,450	OOP max$10,150	Primary care$40	Specialist$90	Generic Rx$3	HSANo	Counties40
Standard Expanded Bronze	MetalBronze	TypeEPO	Premium (age 40)$489	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties40
Everyday Bronze + Vision + Adult Dental	MetalBronze	TypeEPO	Premium (age 40)$508	Deductible$8,450	OOP max$10,150	Primary care$40	Specialist$90	Generic Rx$3	HSANo	Counties40
Standard Expanded Bronze + Vision + Adult Dental	MetalBronze	TypeEPO	Premium (age 40)$509	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties40
Elite Bronze	MetalBronze	TypeEPO	Premium (age 40)$564	Deductible$0	OOP max$10,500	Primary care$50	Specialist$115	Generic Rx$3	HSANo	Counties40
Elite Bronze + Vision + Adult Dental	MetalBronze	TypeEPO	Premium (age 40)$587	Deductible$0	OOP max$10,500	Primary care$50	Specialist$115	Generic Rx$3	HSANo	Counties40
Standard Silver	MetalSilver	TypeEPO	Premium (age 40)$634	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties40
Focused Silver	MetalSilver	TypeEPO	Premium (age 40)$641	Deductible$6,300	OOP max$8,400	Primary care$40	Specialist$85	Generic Rx$3	HSANo	Counties40
Enhanced Diabetes Care Silver with $0 Drug Options	MetalSilver	TypeEPO	Premium (age 40)$653	Deductible$5,000	OOP max$8,650	Primary care$30	Specialist$50	Generic Rx$3	HSANo	Counties40
Standard Silver + Vision + Adult Dental	MetalSilver	TypeEPO	Premium (age 40)$659	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties40
Focused Silver + Vision + Adult Dental	MetalSilver	TypeEPO	Premium (age 40)$667	Deductible$6,300	OOP max$8,400	Primary care$40	Specialist$85	Generic Rx$3	HSANo	Counties40
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental	MetalSilver	TypeEPO	Premium (age 40)$680	Deductible$5,000	OOP max$8,650	Primary care$30	Specialist$50	Generic Rx$3	HSANo	Counties40
Standard Gold	MetalGold	TypeEPO	Premium (age 40)$661	Deductible$2,000	OOP max$8,200	Primary care$30	Specialist$60	Generic Rx$15	HSANo	Counties40
Standard Gold + Vision + Adult Dental	MetalGold	TypeEPO	Premium (age 40)$688	Deductible$2,000	OOP max$8,200	Primary care$30	Specialist$60	Generic Rx$15	HSANo	Counties40
Complete Gold	MetalGold	TypeEPO	Premium (age 40)$697	Deductible$1,450	OOP max$7,500	Primary care$15	Specialist$35	Generic Rx$3	HSANo	Counties40
Complete Gold + Vision + Adult Dental	MetalGold	TypeEPO	Premium (age 40)$726	Deductible$1,450	OOP max$7,500	Primary care$15	Specialist$35	Generic Rx$3	HSANo	Counties40
Elite Gold	MetalGold	TypeEPO	Premium (age 40)$761	Deductible$0	OOP max$6,500	Primary care$5	Specialist$60	Generic Rx$3	HSANo	Counties40
Elite Gold + Vision + Adult Dental	MetalGold	TypeEPO	Premium (age 40)$792	Deductible$0	OOP max$6,500	Primary care$5	Specialist$60	Generic Rx$3	HSANo	Counties40

Other Alabama Marketplace insurers

Sources

Alabama Department of Insurance, 2027 individual market rates, September 3, 2026
Centene, Ambetter of Alabama in 2026, November 3, 2025
ALDOI, Celtic Insurance Company 2027 rates, September 2026
CMS Marketplace Quality Rating System, PY2026, October 2025
CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026

← Alabama Marketplace guide and all insurers

Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.

Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.