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Montgomery, Alabama: health insurance

Montgomery is in Montgomery County. Here is what Montgomery residents should know about coverage.

Coverage in Montgomery

Plans for Montgomery residents are determined by Montgomery County, home to about 224,980 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Montgomery County before you choose it.

  • Turning 65 in Montgomery? Your Initial Enrollment Period runs seven months around your birthday. Alabama SHIP (Alabama Department of Senior Services) offers free counseling at 1-800-243-5463.
  • Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
  • Medicaid questions? Alabama Medicaid Agency handles applications.

Alabama note: 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.

Colleges and universities near Montgomery

Alabama public institutions include University of Alabama, Auburn University, University of Alabama at Birmingham. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Alabama colleges.

Do Montgomery and Montgomery County have the same plans?

Plans are offered by service area, and Montgomery falls under Montgomery County. A plan that serves Montgomery County is generally the one that applies to you.

Do I have to enroll if I call?

No. A call is a conversation about your options.

Montgomery residents: call 855-367-1095

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 855-367-1095

Other major Alabama cities

Reviewed 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.

Do it yourself

Prefer to look and enroll yourself?

Compare plans and enroll on your own time. Or call 855-367-1095 any time you want a licensed agent’s help.

Medicare

Medicare Open Enrollment starts October 15th

Take a look at Alabama plans, or go ahead and enroll yourself. Call if you need any help with your application.

Look at plansCall 855-367-1095
Under 65 · ACA

ACA Open Enrollment opens November 1st

Take a look at Alabama plans, or go ahead and enroll yourself when it opens. Call if you need any help with your application.

Look at plansCall 855-367-1095
Short-term · TriTerm

Need coverage in between?

Short-term and TriTerm plans can start quickly and help with big unexpected medical bills. They are not ACA plans: they can ask health questions, may not cover pre-existing conditions, and what is offered varies by state.

TriTerm

Questions along the way? Call 855-367-1095 for assistance.