Alabama Department of Insurance
09/03/2026 | Press release | Distributed by Public on 09/04/2026 10:18
2027 PROPOSED ACA RATE CHANGES FOR ALABAMA POLICIES IN THE INDIVIDUAL MARKET
The Alabama Department of Insurance (ALDOI) has approved the proposed 2027 premium rates for carriers with QHPs for the Affordable Care Act Individual Market in Alabama. The rates will be effective on January 1, 2027. The four QHP carriers in the Alabama individual market are Blue Cross Blue Shield of Alabama (BCBS), UnitedHealthcare Insurance Company (UHC), Celtic Insurance Company (CIC), and Oscar Insurance Company (Oscar). On average, rates for BCBS increased 19.9%, rates for UHC increased 27.5%, rates for CIC increased 11.4%, and rates for Oscar increased 33.8%. The actual rates and the supporting material may be found by clicking on the links below.
Consumers with an insurance question may contact the Alabama Department of Insurance, Consumer Services Division, using the contact information below. The Department also maintains a Live Chat feature for consumers at our website at www.aldoi.gov. A representative will be happy to help answer your questions.
ALDOI Consumer Services
Phone: 334-241-4141 or 1-800-433-3966
Email: [email protected]
Fax: 334-956-7932
Live Chat: Available 9:00 a.m. to 4:00 p.m. Monday through Friday: www.aldoi.gov.
For more information, call the Alabama Department of Insurance at (334) 269-3550.
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Proposed Rate Changes for Affordable Care Act Policies |
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Changes to be effective January 1, 2027 |
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Blue Cross and Blue Shield of Alabama |
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Plan |
Sold on Exchange? |
Rate Change |
|
Blue Protect |
On and Off |
-2.3% |
|
Blue HSA Bronze |
On and Off |
15.4% |
|
Blue Saver Bronze |
On and Off |
19.4% |
|
Blue Standardized Bronze |
On and Off |
12.3% |
|
Blue Standardized Statewide Bronze EPO |
On and Off |
New-N/A |
|
Blue Statewide Bronze EPO |
On and Off |
New-N/A |
|
Blue Cross Select Silver |
On and Off |
23.0% |
|
Blue Saver Silver |
Off |
20.1% |
|
Blue Saver Silver EPO |
On and Off |
19.0% |
|
Blue Secure Silver |
Off |
18.7% |
|
Blue Standardized Silver |
On and Off |
15.9% |
|
Blue Standardized Silver EPO |
On and Off |
17.7% |
|
Blue Standardized Statewide Silver EPO |
On and Off |
16.5% |
|
Blue Statewide Silver EPO |
On and Off |
17.8% |
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Blue Value Silver |
On and Off |
23.5% |
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Blue Cross Select Gold |
On and Off |
24.2% |
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Blue Standardized Gold |
On and Off |
20.6% |
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Blue Value Gold |
On and Off |
25.6% |
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UnitedHealthcare Insurance Company |
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Plan |
Sold on Exchange? |
Rate Change |
|
UHC Bronze Copay Focus 0 Indiv Med Ded EPO |
On and Off |
29.6% |
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UHC Bronze Copay Focus 0 Indiv Med Ded EPO ADAV |
On and Off |
New-N/A |
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UHC Bronze Essential EPO |
On and Off |
27.1% |
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UHC Bronze Standard EPO |
On and Off |
23.7% |
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UHC Bronze Standard EPO ADAV |
On and Off |
22.9% |
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UHC Silver Copay Focus 0 Indiv Med Ded EPO |
On and Off |
21.5% |
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UHC Silver Copay Focus 0 Indiv Med Ded EPO ADAV |
On and Off |
21.4% |
|
UHC Silver Standard EPO |
On and Off |
20.5% |
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UHC Silver Standard- EPO -PedDen |
On and Off |
New-N/A |
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UHC Silver Value EPO |
On and Off |
21.5% |
|
UHC Silver Value EPO ADAV |
On and Off |
21.2% |
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UHC Silver-X Copay Focus 0 Indiv Med Ded EPO |
Off |
25.9% |
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UHC Silver-X Copay Focus 0 Indiv Med Ded EPO ADAV |
Off |
New-N/A |
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UHC Silver-X Standard EPO |
Off |
21.9% |
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UHC Silver-X Value EPO |
Off |
23.5% |
|
UHC Silver-X Value EPO ADAV |
Off |
New-N/A |
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UHC Gold Advantage EPO |
On and Off |
21.8% |
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UHC Gold Advantage EPO ADAV |
On and Off |
20.0% |
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UHC Gold Copay Focus 0 Ded EPO |
On and Off |
19.3% |
|
UHC Gold Copay Focus 0 Ded EPO ADAV |
On and Off |
New-N/A |
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UHC Gold Standard EPO |
On and Off |
18.4% |
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Celtic Insurance Company |
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Plan |
Sold on Exchange? |
Rate Change |
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Elite Bronze |
On and Off |
12.8% |
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Elite Bronze + Vision + Adult Dental |
On and Off |
11.1% |
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Everyday Bronze |
On and Off |
16.9% |
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Everyday Bronze + Vision + Adult Dental |
On and Off |
15.8% |
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Signature Expanded Bronze |
On and Off |
14.8% |
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Signature Expanded Bronze + Vision + Adult Dental |
On and Off |
14.2% |
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Enhanced Diabetes Care Silver 0 Rx Options |
On and Off |
6.6% |
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Enhanced Diabetes Care Silver 0 Rx Options + Vision + Adult Dental |
On and Off |
4.6% |
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Focused Silver |
On and Off |
7.1% |
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Focused Silver + Vision + Adult Dental |
On and Off |
5.3% |
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Signature Silver |
On and Off |
6.7% |
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Signature Silver + Vision + Adult Dental |
On and Off |
5.3% |
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Streamlined Silver |
On and Off |
New-N/A |
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Clear Gold |
On and Off |
New-N/A |
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Clear Gold + Vision + Adult Dental |
On and Off |
New-N/A |
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Complete Gold |
https:// On and Off |
7.3% |
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Complete Gold + Vision + Adult Dental |
On and Off |
5.8% |
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Signature Gold |
On and Off |
7.0% |
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Signature Gold + Vision + Adult Dental |
On and Off |
5.9% |
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Oscar Insurance Company |
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Plan |
Sold on Exchange? |
Rate Change |
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Bronze Classic Standard |
On and Off |
12.1% |
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Bronze Elite + PCP Saver Plus |
On and Off |
42.0% |
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Bronze Simple |
On and Off |
New-N/A |
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Bronze Simple Chronic Care CKM |
On and Off |
48.2% |
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Silver Classic Standard |
On and Off |
38.3% |
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Silver Core Plan |
On and Off |
New-N/A |
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Silver Simple Chronic Care CKM |
On and Off |
40.9% |
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Silver Simple PCP Saver |
On and Off |
37.3% |
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Gold Classic Standard |
On and Off |
41.4% |
Alabama Department of Insurance published this content on September 03, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on September 04, 2026 at 16:18 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]