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Marketplace health plans in Mobile County, AL — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Mobile County, Alabama has 43 Marketplace health plans from 3 insurers: 13 bronze, 16 silver, 13 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $633.39 per month; the lowest bronze premium is $389.30.
What changed vs 2025
- Benchmark silver premium up $132.12 a month (+26.4%) from 2025
- 3 more plans than 2025
- Lowest bronze premium up $10.61 a month
Market snapshot
- Residents under 65
- 341,027
- Insurers
- 3
- Plans by metal level
- 13 bronze, 16 silver, 13 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $633.39/mo
- Lowest bronze premium, age 40, before subsidies
- $389.30/mo
- Lowest gold premium, age 40, before subsidies
- $663.37/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $6,000
Insurers in the county
- Ambetter of Alabama — 18 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 13 plans (Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Alabama — 12 plans (Catastrophic, Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Catastrophic | Blue Protect (46944AL0470001) | Blue Cross and Blue Shield of Alabama | PPO | $413.15 | $10,600 | $10,600 | 1 |
|---|
| Bronze | UHC Bronze Essential (No Referrals) (69461AL0110024) | UnitedHealthcare | EPO | $389.30 | $10,600 | $10,600 | 13 |
|---|
| Silver | Blue Statewide Silver EPO (46944AL0770001) | Blue Cross and Blue Shield of Alabama | EPO | $632.79 | $3,500 | $9,450 | 16 |
|---|
| Gold | Standard Gold (53932AL0100013) | Ambetter of Alabama | EPO | $663.37 | $2,000 | $8,200 | 13 |
|---|
One plan per metal level shown, of 43 plans in the county.
Benchmark silver premium by age
The benchmark plan (UnitedHealthcare) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $495.61 | $519.40 | $562.52 | $633.39 | $885.16 | $1,345.09 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.