Health insurance plans in Madison County, Alabama (2027)

• 4carriers selling 2027 marketplace plans in Madison County
• 58plans on the Madison shelf, from 20 bronze to 15 gold
• $750benchmark 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, 44 have more carriers than Madison. The biggest lineup in Madison belongs to Ambetter of Alabama with 19 plans, about 33 percent of everything on offer.

Madison plan counts from the CMS 2027 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.

Benchmark silver is the second lowest of the 22 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 $788, which is $38 above the benchmark silver and $53 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 $274 above the cheapest bronze at age 40, and only ten 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 $750 benchmark minus what the government expects you to pay from your income. A 40 year old in Madison whose expected share is $274 a month or less would pay nothing for the cheapest bronze. At 60 the Madison gap grows to $582 and at 21 it shrinks to $214, 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 $14 higher at 40 and the cheapest bronze is $2 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

By network type the 58 Madison plans break down as 48 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 (5 expanded bronze, 2 silver and 2 gold). The 5 bronze ones among them still have out of pocket maximums of $11,900 to $12,000, so a $0 deductible does not mean a small bill.

2027 plans for Madison County

These are the 2027 plans and prices for Madison County, from the CMS plan file released at the end of October 2026. 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. If you already have a Madison plan, compare before you let it renew, because your carrier and your benchmark may both have changed.

Questions about Madison County coverage

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