# Alabama — State health insurance marketplace assistance by state: who runs it, where subsidies start and stop, and what the state adds

For Alabama, marketplace type is federally-facilitated marketplace; marketplace name is HealthCare.gov; marketplace website is https://www.healthcare.gov/; medicaid expansion adopted is no; where premium tax credit eligibility starts is 100% of the federal poverty line, recorded from its source on 2026-08-14.

- **State:** Alabama _(verified: appears in the quote below)_
- **Marketplace type:** federally-facilitated marketplace _(verified: appears in the quote below)_
- **Marketplace name:** HealthCare.gov _(verified: appears in the quote below)_
- **Marketplace website:** https://www.healthcare.gov/ _(verified: appears in the quote below)_
- **Medicaid expansion adopted:** no _(verified: appears in the quote below)_
- **Where premium tax credit eligibility starts:** 100% of the federal poverty line _(our reading, not quoted from the source)_
- **Coverage gap below the poverty line:** yes _(our reading, not quoted from the source)_
- **State premium assistance programme:** none _(verified: appears in the quote below)_
- **State assistance above 400% of the poverty line:** no _(verified: appears in the quote below)_
- **State cost-sharing programme:** none _(verified: appears in the quote below)_
- **Basic Health Program:** none _(verified: appears in the quote below)_
- **State individual mandate:** no _(verified: appears in the quote below)_
- **Open enrollment opens:** November 1 _(verified: appears in the quote below)_
- **Open enrollment closes:** January 15 _(verified: appears in the quote below)_
- **Coverage year these dates are for:** 2026 _(verified: appears in the quote below)_

## What the source says

> You may find affordable health insurance coverage in Alabama by enrolling through HealthCare.gov. This is especially true if you qualify for premium tax credits (subsidies), and most Alabama enrollees are subsidy-eligible. During the open enrollment period for 2026 coverage, 91% of Alabama Marketplace enrollees qualified for premium subsidies. These premium subsidies saved enrollees an average of about $678/month. For enrollees who qualify for subsidies, the average after-subsidy premium was only $70/month in 2026. 9 However, subsidy enhancements that had been in effect for five years were allowed to expire at the end of 2025, after Congressional Republicans refused to extend them. This means subsidies are >https://www.healthinsurance.org/blog/marketplace-enrollees-face-return-of-the-subsidy-cliff/< no longer available to households with income above 400% of the federal poverty level , and it also means subsidies >https://www.healthinsurance.org/blog/how-sunsetting-arps-subsidy-enhancements-would-affect-aca-subsidy-amounts/< don&#8217;t cover as much of enrollees&#8217; premiums in 2026 . The overall average net premium (including people who pay full price) was $65/month in 2025 10 in Alabama&#8217;s Marketplace, and grew to $126/month in 2026, 11 due to the expiration of the federal subsidy enhancements. If your household income isn’t more than 250% of the federal poverty level, you may also qualify for cost-sharing reductions (CSR). These subsidies can make your deductible and other out-of-pocket expenses smaller than they would otherwise be, as long as you select a Silver-level plan. Source: CMS.gov 12 If you’re eligible for APTC and CSR benefits you can utilize both as long as you select a Silver-level plan (APTC can be used with plans at any metal level, but CSR benefits are only available on Silver plans). Depending on your income and circumstances, you may find that you’re eligible for free or low cost health coverage through Alabama Medicaid or ALL Kids (CHIP). >https://www.healthinsurance.org/medicaid/alabama/< Check to see if you meet the criteria for these programs in Alabama. When can I enroll in an ACA-compliant plan in Alabama? The open enrollment period for 2027 health coverage in Alabama runs from November 1, 2026 through January 15, 2027.

## Source

- https://www.healthinsurance.org/alabama/

Last verified: 2026-08-14. Review by: 2026-12-12.
Part of [State health insurance marketplace assistance by state: who runs it, where subsidies start and stop, and what the state adds](https://referencesource.org/state-marketplace-assistance-programs/).