Health insurance cost in Alabama
The benchmark silver Marketplace plan for a 40-year-old costs $645 a month in Alabama in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.
Health insurance cost
$645
a month
A year
$7,740
Rank
32 of 51
1 = cheapest; +3% vs U.S.
| State | Health insurance cost | Rank |
|---|---|---|
| North Carolina | $638 | 30 |
| Utah | $640 | 31 |
| Alabama | $645 | 32 |
| Illinois | $646 | 33 |
| Louisiana | $646 | 34 |
| U.S. | $625 | - |
Common questions
How much is health insurance in Alabama?
The benchmark silver Marketplace plan for a 40-year-old costs $645 a month in Alabama in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.
Is health insurance in Alabama expensive?
Alabama ranks 32 of 51 (1 = cheapest). The U.S. average is $625 a month.
Add it to a full month with the budget by state tool.
More for Alabama: monthly budget · take-home pay · rent.