Health insurance help for Alabama residents
Compare Medicare, health insurance marketplace plans and Medicaid in Alabama, with a guide for every county and each major city, reviewed by a licensed agent.
- Reviewed by Richard Lander, licensed agent (NPN 21255551)
- No cost to call
- No obligation to enroll
What is different about coverage in Alabama
Alabama Medicaid is run by the Alabama Medicaid Agency, and Alabama residents use the federal HealthCare.gov Marketplace for ACA shopping -- Alabama has not expanded Medicaid to cover all low-income adults, so eligibility rules can differ meaningfully from expansion states. Alabama Medical Insurance is free to use for Alabama callers working through Medicare, ACA, life, or supplemental coverage questions.
- The Alabama Medicaid Agency is the right place to start if your Alabama Medicaid eligibility changed -- Alabama has not expanded Medicaid under the ACA, so coverage is generally limited to specific groups like children, pregnant women, and people who are elderly or disabled, not all low-income adults.
- Alabama does not run its own ACA exchange, so Alabama marketplace shopping and subsidy questions go through the federal HealthCare.gov Marketplace.
- Free Medicare counseling is available in Alabama through SHIP (State Health Insurance Assistance Program), also called Alabama Cares, at 1-800-243-5463 (1-800-AGELINE), run by the Alabama Department of Senior Services and separate from Alabama Medical Insurance's own free phone help.
Worth knowing: Alabama has not adopted the ACA's Medicaid expansion, which is a meaningfully different situation from most of the other states covered on this site -- an Alabama adult without children generally can't qualify for Medicaid on income alone the way they could in an expansion state, regardless of how low that income is.
Coverage questions we help Alabama residents with
Health plans (ACA marketplace)
How Alabama’s marketplace works, who qualifies for help with costs, and when you can enroll.
Medicare
Turning 65, Medicare Advantage, Medigap and drug plans, with Alabama’s free counseling program.
Medicaid
Where to apply in Alabama, and what to do when your coverage changes.
Alabama by county
Medicare Advantage plans and marketplace premiums are set county by county, so the plans open to you depend on where in Alabama you live. Start with your county.
Major Alabama cities
Alabama colleges and universities
- University of Alabama
- Auburn University
- University of Alabama at Birmingham
- University of South Alabama
- Alabama A&M University
- Troy University
State bird: Yellowhammer
Colaptes auratus. Alabama’s official state bird, shown here as a local touch.
Photo: Rhododendrites (CC BY-SA 4.0), via Wikimedia CommonsCommon Alabama questions
Where do I shop for ACA health plans in Alabama?
Alabama residents shop through HealthCare.gov (federal Marketplace) (https://www.healthcare.gov/alabama/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Alabama?
Medicaid in Alabama is run through Alabama Medicaid Agency (https://medicaid.alabama.gov). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Alabama?
Alabama Department of Insurance (ALDOI) (https://aldoi.gov/Consumers/HealthInsMarketplace.aspx) regulates insurance companies and agents in Alabama. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Alabama?
Yes. Alabama SHIP (Alabama Department of Senior Services) (1-800-243-5463) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Alabama Medical Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Talk with a licensed agent about Alabama coverage
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.