Alabama · Insurer

Blue Cross Marketplace Plans in Alabama

Updated October 7, 2026

Blue Cross and Blue Shield of Alabama sells Marketplace plans in all 67 counties and covers about 184,000 individual-market members. In seven counties it was the only Marketplace insurer in 2026.

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.

67 of 67Alabama counties (2026)

EPO / PPOPlan type

4 of 5CMS quality rating (2026)

+19.9%Approved 2027 change

What makes Blue Cross different

Blue Cross is the one insurer sold statewide. In Autauga, Butler, Crenshaw, Elmore, Lamar, Monroe and Wilcox it was the only Marketplace option in 2026.
CMS rated Blue Cross 4 of 5 stars overall for 2026, up from 3, with 5 stars for member experience. No other Alabama insurer scored above 2.
These PPOs use the Hospital Choice Network. You pay less at lower-tier hospitals; Blue Value Silver outpatient surgery is $600 there versus $1,000 at higher-tier ones.
Blue Saver Silver EPO is sold only in Jefferson, Shelby, Walker, St. Clair, Blount, Bibb and Chilton counties. It uses the Blue High Performance Network, with a primary care doctor you choose.

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

Is Blue Cross a good fit?

A good fit if

You want one insurer whose plans are sold in every Alabama county
A higher CMS quality rating matters to you
You want a catastrophic or HSA-eligible bronze plan

Think twice if

Increases vary widely by plan: Blue Value Gold rose 25.6%, while the Blue Protect catastrophic plan fell 2.3%.
Blue Cross Select and EPO plans need a referral from your chosen primary care doctor for most specialist visits.
On Blue Value and Blue Cross Select, check your hospital's tier: the same care costs more at a higher-tier hospital.

Good starting points

From its 13 2026 plans statewide, lowest price in any Alabama rating area.

BronzeBlue Saver Bronze$416/monthAge 40, 2026 premium before tax creditsLowest monthly premium

GoldBlue Value Gold$814/monthAge 40, 2026 premium before tax creditsLowest deductible, $750

SilverBlue Statewide Silver EPO$583/monthAge 40, 2026 premium before tax credits$10 primary care visits before the deductible

BronzeBlue HSA Bronze$453/monthAge 40, 2026 premium before tax creditsLowest-priced HSA-eligible plan

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.

Blue Cross plans and prices

All 2026 Blue Cross 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
Blue Saver Bronze	MetalBronze	TypePPO	Premium (age 40)$416	Deductible$8,500	OOP max$10,600	Primary care$45	Specialist$90	Generic Rx$5	HSANo	Counties67
Blue Standardized Bronze	MetalBronze	TypePPO	Premium (age 40)$419	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties67
Blue HSA Bronze	MetalBronze	TypePPO	Premium (age 40)$453	Deductible$7,200	OOP max$7,200	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSAYes	Counties67
Blue Statewide Silver EPO	MetalSilver	TypeEPO	Premium (age 40)$583	Deductible$3,500	OOP max$9,450	Primary care$10	Specialist$90	Generic Rx$5	HSANo	Counties67
Blue Standardized Statewide Silver EPO	MetalSilver	TypeEPO	Premium (age 40)$598	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties67
Blue Cross Select Silver	MetalSilver	TypePPO	Premium (age 40)$600	Deductible$5,000	OOP max$10,600	Primary care$25	Specialist$90	Generic Rx$5	HSANo	Counties67
Blue Standardized Silver	MetalSilver	TypePPO	Premium (age 40)$604	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties67
Blue Saver Silver EPO	MetalSilver	TypeEPO	Premium (age 40)$625	Deductible$4,000	OOP max$9,450	Primary care$10	Specialist$90	Generic Rx$5	HSANo	Counties7
Blue Standardized Silver EPO	MetalSilver	TypeEPO	Premium (age 40)$652	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties7
Blue Value Silver	MetalSilver	TypePPO	Premium (age 40)$670	Deductible$3,700	OOP max$10,600	Primary care$10	Specialist$75	Generic Rx$5	HSANo	Counties67
Blue Standardized Gold	MetalGold	TypePPO	Premium (age 40)$737	Deductible$2,000	OOP max$8,200	Primary care$30	Specialist$60	Generic Rx$15	HSANo	Counties67
Blue Cross Select Gold	MetalGold	TypePPO	Premium (age 40)$774	Deductible$850	OOP max$6,000	Primary care$35	Specialist$50	Generic Rx$5	HSANo	Counties67
Blue Value Gold	MetalGold	TypePPO	Premium (age 40)$814	Deductible$750	OOP max$6,000	Primary care$20	Specialist$45	Generic Rx$5	HSANo	Counties67
Blue Protect	MetalCatastrophic	TypePPO	Premium (age 40)$381	Deductible$10,600	OOP max$10,600	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties67

Other Alabama Marketplace insurers

Sources

Alabama Department of Insurance, 2027 individual market rates, September 3, 2026
BCBSAL 2027 actuarial memorandum (redacted), August 17, 2026
Blue Value Silver 2026 summary of benefits, 2025
Blue Saver Silver EPO 2026 summary of benefits, 2025
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.