- 4carriers selling 2026 marketplace plans in Madison County
- 52plans on the Madison shelf, from 17 bronze to 15 gold
- $683benchmark silver for a 40 year old in Madison, full price per month
Who sells marketplace plans in Madison County
Madison County and Jefferson 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 Madison. The biggest lineup in Madison belongs to Ambetter of Alabama with 18 plans, about 35 percent of everything on offer.
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| Ambetter of Alabama | 18 | 6 | 6 | 6 | EPO 18 |
| UnitedHealthcare | 13 | 4 | 5 | 4 | EPO 13 |
| Blue Cross and Blue Shield of Alabama | 12 | 3 | 5 | 3 | EPO 2, PPO 10 |
| OscarOscar Insurance Company | 9 | 4 | 3 | 2 | EPO 9 |
Madison plan counts from the CMS 2026 landscape file (county FIPS 01089, Rating Area 9). 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 Madison County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Madison 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 Madison pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $371 | $475 | $1,008 | $949 | $1,421 |
| Lowest silver | $521 | $666 | $1,414 | $1,332 | $1,994 |
| Benchmark silver (second lowest) | $534 | $683 | $1,450 | $1,366 | $2,044 |
| Lowest gold | $579 | $740 | $1,571 | $1,479 | $2,214 |
Benchmark silver is the second lowest of the 19 silver premiums listed for Madison. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Madison County
Madison 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 $740, which is $57 above the benchmark silver and $74 above the cheapest silver. In Madison the extra gold premium pays for a lower deductible rather than coming free.
In Madison County the benchmark is $208 above the cheapest bronze at age 40, and 23 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 $683 benchmark minus what the government expects you to pay from your income. A 40 year old in Madison whose expected share is $208 a month or less would pay nothing for the cheapest bronze. At 60 the Madison gap grows to $442 and at 21 it shrinks to $163, which is why older enrollees are the ones most likely to find a $0 plan.
Jefferson County, around Birmingham, is the other Alabama county I track. Compared with Jefferson County, the Madison benchmark is $30 higher at 40 and the cheapest bronze is $34 higher. The same four carriers sell in both, so moving between Madison and Jefferson changes the price you pay but not the companies you can pick from.
Madison plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 1 | 0 | |
| Bronze | 1 | 0 | $10,600 to $10,600 |
| Expanded Bronze | 16 | 4 | $0 to $8,500 |
| Silver | 19 | 2 | $0 to $6,300 |
| Gold | 15 | 3 | $0 to $3,300 |
| Total | 52 | 9 |
By network type the 52 Madison plans break down as 42 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 Madison shelf to one company. 9 plans in Madison 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.
Every Madison price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Madison the premium tax credit is measured against the $683 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Madison numbers for you.
2027 plans for Madison County
These are the 2026 plans and prices for Madison County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Madison 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 Madison County coverage
How many health insurance companies sell marketplace plans in Madison County, Alabama?
For 2026, four carriers sell individual marketplace plans in Madison County: Ambetter of Alabama, UnitedHealthcare, Blue Cross and Blue Shield of Alabama and Oscar. Together they offer 52 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Madison County?
At full price before any subsidy, the cheapest bronze plan in Madison County is $371 a month for a 21 year old, $475 at 40 and $1,008 at 60. In Madison a couple both aged 40 pays $949 for the cheapest bronze, and two 40 year olds with two children pay $1,421. Catastrophic plans in Madison, open only to people under 30 or with a hardship exemption, start at $340 at age 21. Most people in Madison who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Madison County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $683 a month for a 40 year old in Madison County before subsidies. In Madison it is $534 at age 21 and $1,450 at age 60, and the lowest silver plan is $666 at 40.
Is any insurance company leaving Madison County for 2027?
None of the four carriers selling in Madison County in 2026 has announced it is leaving Alabama for 2027, as far as I have been able to confirm. Smaller changes can still happen, so read your renewal notice. The 2027 carrier lineup and prices for Madison are published around November 1, 2026, and I will update this page then.
Can I get a PPO or a $0 deductible plan in Madison County?
Yes to both. 10 of the 52 plans in Madison are PPOs, all from Blue Cross and Blue Shield of Alabama, and 9 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Madison is $740 a month before subsidies.
More for Madison County residents
- Health insurance brokers in Alabama, how to choose one and what it costs
- Every 2027 carrier change in Alabama
- How Madison compares with the other 78 counties and parishes I track
- Estimate a Madison subsidy
Get your Madison County quote
Send me your ZIP and who needs coverage and I will compare every Madison plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2026 (public use file), Madison County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines