Alabama · Insurer
Oscar Marketplace Plans in Alabama
Oscar joined Alabama's Marketplace for 2026 in Jefferson, Shelby, Walker, Madison and Limestone counties, with about 873 members by spring. Its approved 2027 increase, 33.8% on average, is the highest in Alabama.
- 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.
What makes Oscar different
Oscar started selling in Alabama for 2026, in five counties. Its 2027 rate tables also cover the Decatur, Dothan and Gadsden areas and the rest of the state.
Chronic Care CKM plans cover primary care visits at no charge, plus qualified cardiology, pulmonology and endocrinology visits and diabetic eye and foot exams in full.
Virtual urgent care from Oscar's designated providers is covered in full, and Oscar Care Guides help members find doctors and sort out bills.
Oscar's Alabama plans are EPOs that let you see an in-network specialist without a referral.
Is Oscar a good fit?
A good fit if
- You live in Jefferson, Shelby, Walker, Madison or Limestone County
- You manage diabetes, heart disease or kidney disease
- You'd use virtual urgent care
Think twice if
- Its approved 2027 increase is the state's highest, and several plans rose 37% to 48%, including Bronze Simple Chronic Care CKM at 48.2%.
- Oscar is too new in Alabama for a CMS quality rating.
- Three 2026 plans (Bronze Classic 4700, Silver Simple and Gold Simple) don't appear by name in the 2027 rate list. Check which plan you'll move to.
Good starting points
From its 9 2026 plans statewide, lowest price in any Alabama rating area.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.
Oscar plans and prices
All 2026 Oscar plans in Alabama
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| Bronze Classic Standard | MetalBronze | TypeEPO | Premium (age 40)$548 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties5 |
| Bronze Classic 4700 | MetalBronze | TypeEPO | Premium (age 40)$558 | Deductible$4,700 | OOP max$9,800 | Primary care$70 | Specialist$125 | Generic Rx$3 | HSANo | Counties5 |
| Bronze Simple Chronic Care CKM | MetalBronze | TypeEPO | Premium (age 40)$569 | Deductible$5,500 | OOP max$10,150 | Primary care$50 | Specialist$150 | Generic Rx$3 | HSANo | Counties5 |
| Bronze Elite + PCP Saver Plus | MetalBronze | TypeEPO | Premium (age 40)$599 | Deductible$0 | OOP max$10,600 | Primary care$50 | Specialist$125 | Generic Rx$3 | HSANo | Counties5 |
| Silver Classic Standard | MetalSilver | TypeEPO | Premium (age 40)$702 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties5 |
| Silver Simple | MetalSilver | TypeEPO | Premium (age 40)$708 | Deductible$6,300 | OOP max$9,300 | Primary care$10 | Specialist$70 | Generic Rx$3 | HSANo | Counties5 |
| Silver Simple Chronic Care CKM | MetalSilver | TypeEPO | Premium (age 40)$708 | Deductible$5,900 | OOP max$10,150 | Primary care$0 | Specialist$35 | Generic Rx$3 | HSANo | Counties5 |
| Gold Simple | MetalGold | TypeEPO | Premium (age 40)$777 | Deductible$3,300 | OOP max$9,950 | Primary care$5 | Specialist$10 | Generic Rx$3 | HSANo | Counties5 |
| Gold Classic Standard | MetalGold | TypeEPO | Premium (age 40)$781 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties5 |
Other Alabama Marketplace insurers
Sources
- Alabama Department of Insurance, 2027 individual market rates, September 3, 2026
- Oscar Silver Simple Chronic Care CKM 2026 summary of benefits, 2025
- ALDOI, Oscar Insurance Company 2027 rates, September 2026
- KFF, insurer participation changes in 2026, June 11, 2026
- 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.