---
title: Atlas Commons research objects — ACA marketplace coverage for Alabama (2026)
license: CC0-1.0
source: CMS ACA Plan Attributes PUF (2026 plan year)
---

# Atlas Commons research objects — ACA marketplace coverage for Alabama (2026)

Alabama's ACA marketplace coverage from the CMS ACA Plan Attributes PUF, with each figure's epistemic status labeled: every plan count — medical plans, standalone dental plans, and breakdowns by metal level, plan type, HSA-eligibility, and referral requirement — is a measured census of plans offered (counts of rows in the CMS file, all labeled RECORDED); the sticker premium landscape by metal tier (40yo, pre-subsidy) is a recorded set of published CMS Rate PUF rates, with the subsidy note labeled CONTEXT; the boundary note is context (labeled CONTEXT) — these count plans offered and their sticker price, not enrollment, the insured rate, or net cost after subsidies. Sources: CMS ACA Plan Attributes PUF, CMS Marketplace Rate PUF. CC0.

## Claims

### 291 ACA medical marketplace plans are offered in Alabama for plan year 2026

**RECORDED.** The CMS ACA Plan Attributes PUF records 291 on-marketplace medical plans from 4 issuers offered in Alabama for the 2026 plan year. A census of offered plans.

Source: CMS ACA Plan Attributes PUF (2026 plan year) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release.

### Medical plan counts by CMS metal level in Alabama (2026): Silver 151, Expanded Bronze 66, Gold 66, Bronze 4

**RECORDED.** Counts of the 291 medical plans by CMS-defined metal level: Silver 151, Expanded Bronze 66, Gold 66, Bronze 4, Platinum 2, Catastrophic 2. The metal levels are CMS categories; this is a count of PUF rows per category.

Source: CMS ACA Plan Attributes PUF (2026 plan year) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release.

### Medical plan counts by CMS plan type in Alabama (2026): EPO 230, PPO 61

**RECORDED.** Counts of the 291 medical plans by CMS-defined plan type (HMO/PPO/EPO/POS): EPO 230, PPO 61. A count of PUF rows per CMS category.

Source: CMS ACA Plan Attributes PUF (2026 plan year) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release.

### 72 of 291 medical plans in Alabama are HSA-eligible (2026)

**RECORDED.** The PUF flags 72 of the 291 medical plans as HSA-eligible — a count of plans carrying the CMS HSA-eligibility attribute.

Source: CMS ACA Plan Attributes PUF (2026 plan year) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release.

### 237 of 291 medical plans in Alabama require no specialist referral (2026)

**RECORDED.** The PUF flags 237 of the 291 medical plans as not requiring a referral to see a specialist — a count of plans carrying the CMS no-referral attribute.

Source: CMS ACA Plan Attributes PUF (2026 plan year) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release.

### 46 standalone dental plans are offered in Alabama for plan year 2026

**RECORDED.** The PUF records 46 standalone dental plans from 8 issuers offered in Alabama for the 2026 plan year.

Source: CMS ACA Plan Attributes PUF (2026 plan year) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release.

### STICKER ACA premiums in Alabama for a 40-year-old (before tax credits): Silver median $653/mo

**DERIVED.** Per-metal-tier MEDIAN and range of full (pre-subsidy) monthly premiums for a 40-year-old, individual, non-tobacco, across Alabama's 13 rating area(s): Catastrophic $417 ($381–$437), Bronze $475 ($288–$736), Silver $653 ($367–$1,124), Gold $657 ($473–$1,230), Platinum $651 ($586–$712). The per-plan rates are RECORDED in the CMS Marketplace Rate PUF; these per-tier median/min/max figures are DERIVED — the atlas's own aggregation over 61 Rate-PUF rate rows (CMS does not publish a state×tier median). The FULL sticker price — most marketplace enrollees pay less after income-based premium tax credits; this is not net cost.

Source: CMS Marketplace Rate Public Use File (atlas-aggregated per tier) — https://www.cms.gov/marketplace/resources/data/public-use-files
Falsifier: occurred=FALSE (a computed summary, not a single published figure) and adjudged=FALSE (the atlas's aggregation, not a CMS-published statistic). Reproduce it: take the median/min/max of the 61 CMS Rate-PUF rows for a 40yo non-tobacco enrollee per metal tier across the rating areas. Falsified if the per-row rates or the aggregation are wrong; it is sticker (pre-subsidy), so it overstates what a subsidized enrollee pays.

### What the Alabama premiums mean — sticker, not your price

**INTERPRETATION.** The premiums above are FULL pre-subsidy stickers. The Affordable Care Act caps a household's benchmark-Silver premium at a share of income via an advance premium tax credit, which can be applied to any tier — so a subsidized lower-income enrollee can pay far less, sometimes near $0. The sticker tells you how plans compare and the unsubsidized cost, NOT what you will pay. Net cost depends on your income and the prevailing tax-credit rules; we do not compute it. Get your actual price at HealthCare.gov.

Source: Coverage Atlas framing (over the CMS Rate PUF figures above) — https://coverage-atlas.ryanjhunter.workers.dev/
Falsifier: occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a CMS verdict). The sticker premiums above are CMS Rate PUF records (recorded); this subsidy note is interpretation.

### What these coverage figures are — and are NOT — for Alabama (the epistemic boundary)

**INTERPRETATION.** The plan counts above are a COUNT OF PLANS OFFERED on the ACA marketplace for plan year 2026 (a CMS PUF census); the premiums are FULL sticker rates for a 40-year-old. They are NOT enrollment counts, the insured/uninsured rate, NET cost after subsidies, or who actually has coverage. For your net premium use HealthCare.gov / your state marketplace; for the insured rate use the Census ACS / KFF. This object describes what is OFFERED and its sticker price, not who is COVERED or what they pay.

Source: Coverage Atlas framing (over the CMS facts above) — https://coverage-atlas.ryanjhunter.workers.dev/
Falsifier: occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a CMS verdict) — the LOWEST-warrant claim here. The plan counts and sticker premiums above are direct CMS records; this is interpretation, and the four-status says so.

---

Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/al.jsonld`

## Data

### Alabama — every coverage indicator (typed)

Each official figure for this state with its four-status warrant and named source. RECORDED = an observed count or published per-plan rate from the CMS file; DERIVED = an atlas-computed summary over those rows (e.g. the per-tier median premium).

| indicator | value | warrant | source |
| --- | --- | --- | --- |
| Medical plans offered | 291 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| Medical issuers | 4 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| HSA-eligible medical plans | 72 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| Medical plans requiring no specialist referral | 237 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| Standalone dental plans offered | 46 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| Standalone dental issuers | 8 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| Distinct issuers (medical + dental) | 11 | RECORDED | CMS ACA Plan Attributes PUF (2026) |
| Plan year | 2026 | — | CMS ACA Plan Attributes PUF (2026) |
| Silver median sticker premium (USD/mo) | 653 | DERIVED | CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco) |
| Rating areas (premium aggregate) | 13 | RECORDED | CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco) |
| Rate-PUF rate rows summarized | 61 | RECORDED | CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco) |

### Alabama — medical plans by CMS metal level (RECORDED)

A count of CMS PUF rows per CMS-defined metal level — plans OFFERED, not enrollment.

| metal_level | plan_count |
| --- | --- |
| Silver | 151 |
| Expanded Bronze | 66 |
| Gold | 66 |
| Bronze | 4 |
| Platinum | 2 |
| Catastrophic | 2 |

### Alabama — medical plans by CMS plan type (RECORDED)

A count of CMS PUF rows per CMS-defined plan type (HMO/PPO/EPO/POS) — plans OFFERED.

| plan_type | plan_count |
| --- | --- |
| EPO | 230 |
| PPO | 61 |

### Alabama — medical plans by market coverage (RECORDED)

A count of CMS PUF rows per market-coverage category (e.g. Individual, SHOP).

| market_coverage | plan_count |
| --- | --- |
| Individual | 322 |
| SHOP (Small Group) | 15 |

### Alabama — sticker ACA premiums by metal tier (40yo, pre-subsidy, DERIVED)

Per-tier median/p25/p75/min/max — the atlas's aggregation over the CMS Marketplace Rate PUF per-plan rates (the rates are RECORDED; these tier summaries are DERIVED — CMS does not publish a state×tier median). 40yo non-tobacco, across the state's rating areas, USD rounded. STICKER rates — most enrollees pay less after income-based tax credits; not net cost.

| tier | plans | median_usd | p25_usd | p75_usd | min_usd | max_usd |
| --- | --- | --- | --- | --- | --- | --- |
| Catastrophic | 13 | 417 | 400 | 433 | 381 | 437 |
| Bronze | 213 | 475 | 388 | 546 | 288 | 736 |
| Silver | 303 | 653 | 445 | 708 | 367 | 1124 |
| Gold | 313 | 657 | 549 | 791 | 473 | 1230 |
| Platinum | 52 | 651 | 635 | 677 | 586 | 712 |

### Alabama — issuers present on the marketplace (RECORDED)

Every distinct issuer (medical or standalone dental) the CMS PUF records as offering at least one plan in this state.

| issuer |
| --- |
| Ambetter of Alabama |
| BEST Life |
| Blue Cross and Blue Shield of Alabama |
| Delta Dental PPO |
| EMI Health |
| Guardian |
| Humana |
| Oscar Insurance Company |
| Renaissance Dental |
| TRUASSURE INSURANCE COMPANY |
| UnitedHealthcare |