Alabama · Insurer
UnitedHealthcare Marketplace Plans in Alabama
UnitedHealthcare sold Marketplace EPO plans in 56 Alabama counties in 2026, and none of them require referrals. Its approved 2027 increase, 27.5% on average, is the second highest in the state.
- Member experience not rated by CMS.
- 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 UnitedHealthcare different
Every 2026 UnitedHealthcare plan in Alabama carries "No Referrals" in its name, so you can book an in-network specialist directly.
Most Copay Focus, Value and Advantage plans include $0 virtual urgent care. Gold Advantage and Gold Copay Focus also list $5 Tier 2 prescriptions.
Bronze, silver and gold Copay Focus plans have a $0 individual medical deductible, so many services use set copays from the first visit.
A 2024 multi-year agreement keeps Huntsville Hospital, Decatur Morgan, Helen Keller, Athens-Limestone and five other system hospitals in its individual-plan network.
Is UnitedHealthcare a good fit?
A good fit if
- You'd rather not get referrals to see specialists
- Your care centers on Huntsville Hospital Health System
- You'd use virtual urgent care or want a $0-deductible plan
Think twice if
- UAB said in June 2025 that it doesn't take UnitedHealthcare's ACA individual plans. If you use UAB, confirm before you enroll.
- In Mobile, USA Health Providence Hospital has been out of network since November 2025, and USA Health says its other hospitals left UnitedHealthcare's commercial network October 1, 2026.
- It isn't sold in Montgomery, Autauga, Elmore or Lowndes counties, and CMS rated it 2 of 5 stars for 2026.
Good starting points
From its 13 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.
UnitedHealthcare plans and prices
All 2026 UnitedHealthcare plans in Alabama
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) | MetalBronze | TypeEPO | Premium (age 40)$366 | Deductible$10,600 | OOP max$10,600 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSANo | Counties56 |
| UHC Bronze Standard (No Referrals) | MetalBronze | TypeEPO | Premium (age 40)$388 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties56 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) | MetalBronze | TypeEPO | Premium (age 40)$403 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties56 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | MetalBronze | TypeEPO | Premium (age 40)$405 | Deductible$0 | OOP max$10,600 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties56 |
| UHC Silver Standard (No Referrals) | MetalSilver | TypeEPO | Premium (age 40)$595 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties56 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) | MetalSilver | TypeEPO | Premium (age 40)$598 | Deductible$3,500 | OOP max$8,900 | Primary care$30 | Specialist$100 | Generic Rx$15 | HSANo | Counties56 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | MetalSilver | TypeEPO | Premium (age 40)$604 | Deductible$0 | OOP max$10,150 | Primary care$15 | Specialist$95 | Generic Rx$10 | HSANo | Counties56 |
| UHC Silver Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | MetalSilver | TypeEPO | Premium (age 40)$614 | Deductible$3,500 | OOP max$8,900 | Primary care$30 | Specialist$100 | Generic Rx$15 | HSANo | Counties56 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | MetalSilver | TypeEPO | Premium (age 40)$619 | Deductible$0 | OOP max$10,150 | Primary care$15 | Specialist$95 | Generic Rx$10 | HSANo | Counties56 |
| UHC Gold Standard (No Referrals) | MetalGold | TypeEPO | Premium (age 40)$657 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties56 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | MetalGold | TypeEPO | Premium (age 40)$659 | Deductible$750 | OOP max$8,000 | Primary care$20 | Specialist$75 | Generic Rx$5 | HSANo | Counties56 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | MetalGold | TypeEPO | Premium (age 40)$675 | Deductible$750 | OOP max$8,000 | Primary care$20 | Specialist$75 | Generic Rx$5 | HSANo | Counties56 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | MetalGold | TypeEPO | Premium (age 40)$678 | Deductible$0 | OOP max$7,000 | Primary care$10 | Specialist$60 | Generic Rx$5 | HSANo | Counties56 |
Other Alabama Marketplace insurers
Sources
- Alabama Department of Insurance, 2027 individual market rates, September 3, 2026
- UAB Medicine, UnitedHealthcare contracts news release, June 11, 2025
- WAFF, UnitedHealthcare and Huntsville Hospital agreement, November 20, 2024
- Fox10, USA Health and UnitedHealthcare dispute, August 28, 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.