2027 PROPOSED ACA RATE CHANGES FOR ALABAMA POLICIES IN THE INDIVIDUAL MARKET
(334) 269-3550
9/3/2026
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 For more information, call the Alabama Department of Insurance at (334) 269-3550. Changes to be effective January 1, 2027 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% Blue Value Silver On and Off 23.5% Blue Cross Select Gold On and Off 24.2% Blue Standardized Gold On and Off 20.6% Blue Value Gold On and Off 25.6% UHC Bronze Copay Focus 0 Indiv Med Ded EPO On and Off UHC Bronze Copay Focus 0 Indiv Med Ded EPO ADAV On and Off UHC Bronze Essential EPO On and Off UHC Bronze Standard EPO On and Off UHC Bronze Standard EPO ADAV On and Off UHC Silver Copay Focus 0 Indiv Med Ded EPO On and Off UHC Silver Copay Focus 0 Indiv Med Ded EPO ADAV On and Off UHC Silver Standard EPO On and Off UHC Silver Standard- EPO -PedDen On and Off UHC Silver Value EPO On and Off UHC Silver Value EPO ADAV On and Off UHC Silver-X Copay Focus 0 Indiv Med Ded EPO Off UHC Silver-X Copay Focus 0 Indiv Med Ded EPO ADAV Off UHC Silver-X Standard EPO Off UHC Silver-X Value EPO Off UHC Silver-X Value EPO ADAV Off UHC Gold Advantage EPO On and Off UHC Gold Advantage EPO ADAV On and Off UHC Gold Copay Focus 0 Ded EPO On and Off UHC Gold Copay Focus 0 Ded EPO ADAV On and Off UHC Gold Standard EPO On and Off Elite Bronze On and Off 12.8% Elite Bronze + Vision + Adult Dental On and Off 11.1% Everyday Bronze On and Off 16.9% Everyday Bronze + Vision + Adult Dental On and Off 15.8% Signature Expanded Bronze On and Off 14.8% Signature Expanded Bronze + Vision + Adult Dental On and Off 14.2% Enhanced Diabetes Care Silver 0 Rx Options On and Off 6.6% Enhanced Diabetes Care Silver 0 Rx Options + Vision + Adult Dental On and Off 4.6% Focused Silver On and Off 7.1% Focused Silver + Vision + Adult Dental On and Off 5.3% Signature Silver On and Off 6.7% Signature Silver + Vision + Adult Dental On and Off 5.3% Streamlined Silver On and Off New-N/A Clear Gold On and Off New-N/A Clear Gold + Vision + Adult Dental On and Off New-N/A Complete Gold On and Off 7.3% Complete Gold + Vision + Adult Dental On and Off 5.8% Signature Gold On and Off 7.0% Signature Gold + Vision + Adult Dental On and Off 5.9% Bronze Classic Standard On and Off 12.1% Bronze Elite + PCP Saver Plus On and Off 42.0% Bronze Simple On and Off New-N/A Bronze Simple Chronic Care CKM On and Off 48.2% Silver Classic Standard On and Off 38.3% Silver Core Plan On and Off New-N/A Silver Simple Chronic Care CKM On and Off 40.9% Silver Simple PCP Saver On and Off 37.3% Gold Classic Standard On and Off 41.4%
Phone: 334-241-4141 or 1-800-433-3966
Email: ConsumerServices@insurance.alabama.gov
Fax: 334-956-7932
Live Chat: Available 9:00 a.m. to 4:00 p.m. Monday through Friday: www.aldoi.gov.
Proposed Rate Changes for Affordable Care Act Policies
in the Individual Market
Blue Cross and Blue Shield of Alabama
Plan
Sold on Exchange?
Rate Change
UnitedHealthcare Insurance Company
Plan
Sold on Exchange?
Rate Change
29.6%
New-N/A
27.1%
23.7%
22.9%
21.5%
21.4%
20.5%
New-N/A
21.5%
21.2%
25.9%
New-N/A
21.9%
23.5%
New-N/A
21.8%
20.0%
19.3%
New-N/A
18.4%
Celtic Insurance Company
Plan
Sold on Exchange?
Rate Change
Oscar Insurance Company
Plan
Sold on Exchange?
Rate Change
2027 Redacted Actuarial Memorandum for Each Company:
BCBSA
Celtic
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