Health insurance plans in Jefferson County, Alabama (2026)

• 4carriers selling 2026 marketplace plans in Jefferson County
• 54plans on the Jefferson shelf, from 17 bronze to 15 gold
• $652benchmark silver for a 40 year old in Jefferson, full price per month

Who sells marketplace plans in Jefferson County

Jefferson County and Madison County, the two Alabama counties I track, have the same number of carriers, four each. Across all 79 counties and parishes I track in 24 states, 51 have more carriers than Jefferson. The biggest lineup in Jefferson belongs to Ambetter of Alabama with 18 plans, about 33 percent of everything on offer.

Jefferson plan counts from the CMS 2026 landscape file (county FIPS 01073, Rating Area 3). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.

What it costs in Jefferson County before any subsidy

These are the full monthly prices, before any premium tax credit, for the cheapest Jefferson plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Jefferson pay less, often a lot less.

Benchmark silver is the second lowest of the 21 silver premiums listed for Jefferson. The last column is two adults aged 40 plus two children.

What these numbers mean if you live in Jefferson County

Jefferson County is one of 32 of the 79 counties and parishes on my list where the metal levels are priced in the order you would expect. The cheapest gold at 40 is $711, which is $58 above the benchmark silver and $86 above the cheapest silver. In Jefferson the extra gold premium pays for a lower deductible rather than coming free.

In Jefferson County the benchmark is $212 above the cheapest bronze at age 40, and 22 of the other 78 counties and parishes I track have a wider one. That gap decides whether bronze can be free, because your subsidy is the $652 benchmark minus what the government expects you to pay from your income. A 40 year old in Jefferson whose expected share is $212 a month or less would pay nothing for the cheapest bronze. At 60 the Jefferson gap grows to $450 and at 21 it shrinks to $166, which is why older enrollees are the ones most likely to find a $0 plan.

Madison County, around Huntsville, is the other Alabama county I track. Compared with Madison County, the Jefferson benchmark is $30 lower at 40 and the cheapest bronze is $34 lower. The same four carriers sell in both, so moving between Jefferson and Madison changes the price you pay but not the companies you can pick from.

Jefferson plans by metal level, network and deductible

By network type the 54 Jefferson plans break down as 44 EPO and 10 PPO. Only 10 are PPOs, and every one of them comes from Blue Cross and Blue Shield of Alabama. If seeing specialists without a referral matters to you, that narrows the Jefferson shelf to one company. 9 plans in Jefferson have a $0 medical deductible (4 expanded bronze, 3 gold and 2 silver). The 4 bronze ones among them still have out of pocket maximums of $10,500 to $10,600, so a $0 deductible does not mean a small bill.

2027 plans for Jefferson County

These are the 2026 plans and prices for Jefferson County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Jefferson numbers then. Open enrollment for 2027 coverage in Alabama runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1.

Questions about Jefferson County coverage

More for Jefferson County residents

• Health insurance brokers in Alabama, how to choose one and what it costs
• Every 2027 carrier change in Alabama
• How Jefferson compares with the other 78 counties and parishes I track
• Estimate a Jefferson subsidy