# What ACA marketplace plans are available in Morgan County, Alabama in 2027?

Morgan County, Alabama has 58 ACA marketplace plans from 4 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $411 to $1,129 and a benchmark (second-lowest-cost silver) plan at $715 per month, before any premium tax credit, per HealthCare.gov plan data. To compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.

_Last updated 2026-11-01 · Published by Private Health Insurance Direct Answers · Updated November 1, 2026 with 2027 plan data from HealthCare.gov_

## 2027 plan table

| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Alabama | Blue Protect | Catastrophic | $410.79 | $12,000 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue Statewide Bronze EPO | Bronze | $464.39 | $9,500 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Statewide Bronze EPO | Bronze | $516.96 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Bronze | Bronze | $519.54 | $7,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Bronze | $542.51 | $11,750 | $11,750 |
| Blue Cross and Blue Shield of Alabama | Blue Saver Bronze | Bronze | $548.34 | $8,500 | $11,000 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin, No Referrals) | Bronze | $559.62 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue HSA Bronze | Bronze | $578.19 | $7,900 | $7,900 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision, No Referrals) | Bronze | $578.28 | $7,500 | $12,000 |
| Ambetter of Alabama | Signature Expanded Bronze | Bronze | $600.66 | $7,500 | $12,000 |
| Ambetter of Alabama | Everyday Bronze | Bronze | $609.61 | $9,350 | $11,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Bronze | $613.90 | $0 | $12,000 |
| Ambetter of Alabama | Signature Expanded Bronze + Vision + Adult Dental | Bronze | $616.71 | $7,500 | $12,000 |
| Ambetter of Alabama | Everyday Bronze + Vision + Adult Dental | Bronze | $625.89 | $9,350 | $11,000 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision, No Referrals) | Bronze | $632.57 | $0 | $12,000 |
| Ambetter of Alabama | Elite Bronze | Bronze | $673.54 | $0 | $11,900 |
| Ambetter of Alabama | Elite Bronze + Vision + Adult Dental | Bronze | $691.54 | $0 | $11,900 |
| Ambetter of Alabama | Streamlined Silver | Silver | $700.86 | $4,700 | $11,300 |
| Oscar Insurance Company | Bronze Simple | Bronze | $703.66 | $9,150 | $12,000 |
| Ambetter of Alabama | Signature Silver | Silver | $715.36 | $6,400 | $10,300 |
| Ambetter of Alabama | Focused Silver | Silver | $725.90 | $6,300 | $9,600 |
| Oscar Insurance Company | Bronze Classic Standard | Bronze | $731.49 | $7,500 | $12,000 |
| Ambetter of Alabama | Enhanced Diabetes Care Silver $0 Rx Options | Silver | $734.43 | $5,000 | $10,000 |
| Ambetter of Alabama | Signature Silver + Vision + Adult Dental | Silver | $734.47 | $6,400 | $10,300 |
| Ambetter of Alabama | Focused Silver + Vision + Adult Dental | Silver | $745.30 | $6,300 | $9,600 |
| Ambetter of Alabama | Signature Gold | Gold | $751.72 | $2,500 | $8,600 |
| Ambetter of Alabama | Enhanced Diabetes Care Silver $0 Rx Options + Vision + Adult Dental | Silver | $754.05 | $5,000 | $10,000 |
| Oscar Insurance Company | Bronze Simple Chronic Care CKM | Bronze | $755.72 | $5,500 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue Statewide Silver EPO | Silver | $759.04 | $4,000 | $10,000 |
| Ambetter of Alabama | Clear Gold | Gold | $761.35 | $1,200 | $9,150 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Bronze | $762.10 | $0 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Statewide Silver EPO | Silver | $769.70 | $6,400 | $10,300 |
| Ambetter of Alabama | Signature Gold + Vision + Adult Dental | Gold | $771.80 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Silver | Silver | $773.66 | $6,400 | $10,300 |
| Ambetter of Alabama | Clear Gold + Vision + Adult Dental | Gold | $781.70 | $1,200 | $9,150 |
| Ambetter of Alabama | Complete Gold | Gold | $790.55 | $1,450 | $9,500 |
| Ambetter of Alabama | Complete Gold + Vision + Adult Dental | Gold | $811.67 | $1,450 | $9,500 |
| Blue Cross and Blue Shield of Alabama | Blue Cross Select Silver | Silver | $814.84 | $5,000 | $10,600 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin, No Referrals) | Silver | $825.81 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Standard- ($0 Insulin, No Referrals) | Silver | $825.88 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $0 Insulin, No Referrals) | Silver | $837.89 | $3,500 | $10,000 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, No Referrals) | Silver | $846.01 | $0 | $11,500 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals) | Silver | $856.55 | $3,500 | $10,000 |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals) | Silver | $864.68 | $0 | $11,500 |
| Oscar Insurance Company | Silver Classic Standard | Silver | $870.19 | $6,400 | $10,300 |
| Oscar Insurance Company | Silver Simple PCP Saver | Silver | $871.29 | $5,750 | $10,000 |
| Oscar Insurance Company | Silver Core Plan | Silver | $871.40 | $9,000 | $10,300 |
| Oscar Insurance Company | Silver Simple Chronic Care CKM | Silver | $894.75 | $6,500 | $10,500 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin, No Referrals) | Gold | $895.50 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Alabama | Blue Value Silver | Silver | $914.19 | $3,500 | $12,000 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $923.51 | $750 | $8,000 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Gold | $942.18 | $750 | $8,000 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $944.20 | $0 | $7,900 |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Gold | $962.87 | $0 | $7,900 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Gold | Gold | $982.53 | $2,500 | $8,600 |
| Oscar Insurance Company | Gold Classic Standard | Gold | $990.34 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Alabama | Blue Cross Select Gold | Gold | $1,062.29 | $850 | $6,000 |
| Blue Cross and Blue Shield of Alabama | Blue Value Gold | Gold | $1,129.04 | $750 | $6,000 |

Premiums are full price for one 40-year-old non-smoker, before any premium tax credit.

## Questions about 2027 plans in Morgan County

### How many ACA plans are available in Morgan County for 2027?

Morgan County, Alabama has 58 ACA marketplace plans from 4 insurers for 2027, per HealthCare.gov plan data.

### What is the 2027 benchmark (second-lowest-cost silver) premium in Morgan County?

The 2027 benchmark (second-lowest-cost silver) premium in Morgan County is $715 per month for a 40-year-old before tax credits.

### What is the cheapest 2027 plan in Morgan County?

The cheapest 2027 plan in Morgan County is Blue Protect from Blue Cross and Blue Shield of Alabama, a Catastrophic plan at $411 per month for a 40-year-old before tax credits.

### When is Open Enrollment for 2027 coverage?

In states that use HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.

### How do I get help choosing or enrolling?

To compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555. You can also enroll yourself at HealthCare.gov.

## Sources

- HealthCare.gov plan data (CMS Marketplace API) — https://www.healthcare.gov/see-plans/ (retrieved 2026-11-12)
- HealthCare.gov — https://www.healthcare.gov

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Updated: 2026-11-01T00:00:00.000Z
Published by: Private Health Insurance Direct Answers
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