Individual and Family Health Insurance

For Alabama Residents

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Choose Your Metal Level

ACA-compliant plans are tiered into four basic categories. These categories, or metal levels, contain different levels of coverage. It is important to compare the different plans in these different metal levels to make sure you get the right plan at the right price to meet your individual healthcare needs.

Gold Plans

3 Available

Gold Plans have a higher monthly premium, but typically include the most comprehensive benefits which may lower out-of-pocket costs if you have a lot of medical expenses.

Silver Plans

4 Available

Silver Plans do not offer coverage as comprehensive as Gold Plans but are available with a lower monthly premium. These plans must be selected if you qualify for and intend to use a Cost-Sharing Reduction (CSR). CSRs are considered “extra savings” that can help you save on your out-of-pocket costs for medical expenses.

Bronze Plans

3 Available

Bronze Plans typically offer the lowest possible monthly premium for a standard health insurance plan. However these plans incude higher out-of-pocket expenses for medical care than our Gold or Silver Plans.

Catastrophic Coverage

1 Available

Catastrophic Coverage is only available to people under 30 years old or who qualify because of certian hardships. These plans typically have a very low monthly premium; however, they have a high deductable which must be met before any coverage kicks in. These plans may be able to offset some of the financial hardships associated with a sudden catastrophic illness or injury requiring complex care.