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

Saint Clair County, Alabama has 32 ACA marketplace plans from 2 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $419 to $1,152 and a benchmark (second-lowest-cost silver) plan at $762 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 | $419.17 | $12,000 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue Statewide Bronze EPO | Bronze | $473.87 | $9,500 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Statewide Bronze EPO | Bronze | $527.51 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Bronze | Bronze | $530.14 | $7,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Bronze | $552.26 | $11,750 | $11,750 |
| Blue Cross and Blue Shield of Alabama | Blue Saver Bronze | Bronze | $559.53 | $8,500 | $11,000 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin, No Referrals) | Bronze | $569.68 | $7,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision, No Referrals) | Bronze | $588.69 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue HSA Bronze | Bronze | $589.99 | $7,900 | $7,900 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, No Referrals) | Bronze | $624.95 | $0 | $12,000 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision, No Referrals) | Bronze | $643.95 | $0 | $12,000 |
| Blue Cross and Blue Shield of Alabama | Blue Saver Silver EPO | Silver | $737.97 | $4,500 | $10,000 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Silver EPO | Silver | $761.74 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Alabama | Blue Statewide Silver EPO | Silver | $774.53 | $4,000 | $10,000 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Statewide Silver EPO | Silver | $785.41 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Silver | Silver | $789.45 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Alabama | Blue Cross Select Silver | Silver | $831.47 | $5,000 | $10,600 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin, No Referrals) | Silver | $840.66 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Standard- ($0 Insulin, No Referrals) | Silver | $840.74 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $0 Insulin, No Referrals) | Silver | $852.96 | $3,500 | $10,000 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, No Referrals) | Silver | $861.23 | $0 | $11,500 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals) | Silver | $871.96 | $3,500 | $10,000 |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $0 Insulin, Dental + Vision, No Referrals) | Silver | $880.23 | $0 | $11,500 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin, No Referrals) | Gold | $911.61 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Alabama | Blue Value Silver | Silver | $932.85 | $3,500 | $12,000 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $940.13 | $750 | $8,000 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision, No Referrals) | Gold | $959.13 | $750 | $8,000 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, No Referrals) | Gold | $961.19 | $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 | $980.19 | $0 | $7,900 |
| Blue Cross and Blue Shield of Alabama | Blue Standardized Gold | Gold | $1,002.58 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Alabama | Blue Cross Select Gold | Gold | $1,083.97 | $850 | $6,000 |
| Blue Cross and Blue Shield of Alabama | Blue Value Gold | Gold | $1,152.08 | $750 | $6,000 |

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

## Questions about 2027 plans in Saint Clair County

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

Saint Clair County, Alabama has 32 ACA marketplace plans from 2 insurers for 2027, per HealthCare.gov plan data.

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

The 2027 benchmark (second-lowest-cost silver) premium in Saint Clair County is $762 per month for a 40-year-old before tax credits.

### What is the cheapest 2027 plan in Saint Clair County?

The cheapest 2027 plan in Saint Clair County is Blue Protect from Blue Cross and Blue Shield of Alabama, a Catastrophic plan at $419 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
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