Phenix City, Alabama: health insurance
Phenix City is in Russell County. Here is what Phenix City residents should know about coverage.
Coverage in Phenix City
Phenix City has about 38,441 residents (U.S. Census Bureau 2023 estimate).
Plans for Phenix City residents are determined by Russell County, home to about 58,744 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 Russell County before you choose it.
- Turning 65 in Phenix City? 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.
Medicare plans leaving Russell County for 2027
Medicare plans are set by county, so this applies to residents of this city. 4 plans are listed in Russell County for 2026 but not for 2027, covering at least 14 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Blue Advantage Premier (PPO) H0104-015 | BlueCross BlueShield of Alabama | 14 |
| HealthSpring True Choice (PPO) H7849-145 | Cigna HealthSpring (HCSC) | 10 or fewer |
See all 4 plans leaving Russell County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Phenix City
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 Phenix City and Russell County have the same plans?
Plans are offered by service area, and Phenix City falls under Russell County. A plan that serves Russell 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.
Phenix City 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 855-367-1095Other 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.