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Marketplace health plans in Shelby County, AL — 2027
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 2027, Shelby County, Alabama has 60 Marketplace health plans from 4 insurers: 20 bronze, 24 silver, 15 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $736.81 per month; the lowest bronze premium is $473.87.
What changed vs 2026
- Benchmark silver premium up $84.37 a month (+12.9%) from 2026
- 6 more plans than 2026
- Lowest bronze premium up $33.36 a month
Market snapshot
- Residents under 65
- 191,445
- Insurers
- 4
- Plans by metal level
- 20 bronze, 24 silver, 15 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $736.81/mo
- Lowest bronze premium, age 40, before subsidies
- $473.87/mo
- Lowest gold premium, age 40, before subsidies
- $774.25/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $6,000
Insurers in the county
- Ambetter of Alabama — 19 plans (Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Alabama — 16 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 16 plans (Bronze, Silver, Gold)
- Oscar Insurance Company — 9 plans (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 | $419.17 | $12,000 | $12,000 | 1 |
| Bronze | Blue Statewide Bronze EPO (46944AL0790001) | Blue Cross and Blue Shield of Alabama | EPO | $473.87 | $9,500 | $12,000 | 20 |
| Silver | Streamlined Silver (53932AL0100021) | Ambetter of Alabama | EPO | $721.87 | $4,700 | $11,300 | 24 |
| Gold | Signature Gold (53932AL0100013) | Ambetter of Alabama | EPO | $774.25 | $2,500 | $8,600 | 15 |
One plan per metal level shown, of 60 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter of Alabama) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $576.54 | $604.20 | $654.36 | $736.81 | $1,029.68 | $1,564.70 |
Nearby counties
Agent Tools
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
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 2027; 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.