The Alabama Department of Insurance approved the final 2026 premium rates for the Affordable Care Act individual market in Alabama last week.
The rates will be effective on January 1. The four carriers in the Alabama individual market are Blue Cross and Blue Shield of Alabama (BCBS), UnitedHealthcare Insurance Company (UHC), Celtic Insurance Company (CIC) and Oscar Insurance Company.
On average, rates for BCBS increased 19.3%, rates for UHC increased 20% and rates for CIC increased 25%. Oscar is new to the Affordable Care Act individual market in Alabama in 2026, and therefore, there is no rate change.
The rate increases by specific plan type can be found here.
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