name = "Atlas Commons research objects — ACA marketplace coverage for Alabama (2026)"
description = "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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/al.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/al/medical-plan-count"
warrant = "RECORDED"
name = "291 ACA medical marketplace plans are offered in Alabama for plan year 2026"
text = "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)"
sourceUrl = "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falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/al/metal-distribution"
warrant = "RECORDED"
name = "Medical plan counts by CMS metal level in Alabama (2026): Silver 151, Expanded Bronze 66, Gold 66, Bronze 4"
text = "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)"
sourceUrl = "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falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/al/plan-type-distribution"
warrant = "RECORDED"
name = "Medical plan counts by CMS plan type in Alabama (2026): EPO 230, PPO 61"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/al/hsa-eligible"
warrant = "RECORDED"
name = "72 of 291 medical plans in Alabama are HSA-eligible (2026)"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/al/no-referral"
warrant = "RECORDED"
name = "237 of 291 medical plans in Alabama require no specialist referral (2026)"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/al/dental-plan-count"
warrant = "RECORDED"
name = "46 standalone dental plans are offered in Alabama for plan year 2026"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/al/premium-landscape"
warrant = "DERIVED"
name = "STICKER ACA premiums in Alabama for a 40-year-old (before tax credits): Silver median $653/mo"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/al/premium-subsidy-boundary"
warrant = "INTERPRETATION"
name = "What the Alabama premiums mean — sticker, not your price"
text = "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)"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/al/boundary"
warrant = "INTERPRETATION"
name = "What these coverage figures are — and are NOT — for Alabama (the epistemic boundary)"
text = "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)"
sourceUrl = "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."

[[coverageIndicators]]
indicator = "Medical plans offered"
value = 291
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Medical issuers"
value = 4
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "HSA-eligible medical plans"
value = 72
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Medical plans requiring no specialist referral"
value = 237
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Standalone dental plans offered"
value = 46
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Standalone dental issuers"
value = 8
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Distinct issuers (medical + dental)"
value = 11
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Plan year"
value = 2026
warrant = "—"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Silver median sticker premium (USD/mo)"
value = 653
warrant = "DERIVED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[coverageIndicators]]
indicator = "Rating areas (premium aggregate)"
value = 13
warrant = "RECORDED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[coverageIndicators]]
indicator = "Rate-PUF rate rows summarized"
value = 61
warrant = "RECORDED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[metalDistribution]]
metal_level = "Silver"
plan_count = 151

[[metalDistribution]]
metal_level = "Expanded Bronze"
plan_count = 66

[[metalDistribution]]
metal_level = "Gold"
plan_count = 66

[[metalDistribution]]
metal_level = "Bronze"
plan_count = 4

[[metalDistribution]]
metal_level = "Platinum"
plan_count = 2

[[metalDistribution]]
metal_level = "Catastrophic"
plan_count = 2

[[planTypeDistribution]]
plan_type = "EPO"
plan_count = 230

[[planTypeDistribution]]
plan_type = "PPO"
plan_count = 61

[[marketCoverage]]
market_coverage = "Individual"
plan_count = 322

[[marketCoverage]]
market_coverage = "SHOP (Small Group)"
plan_count = 15

[[premiumTiers]]
tier = "Catastrophic"
plans = 13
median_usd = 417
p25_usd = 400
p75_usd = 433
min_usd = 381
max_usd = 437

[[premiumTiers]]
tier = "Bronze"
plans = 213
median_usd = 475
p25_usd = 388
p75_usd = 546
min_usd = 288
max_usd = 736

[[premiumTiers]]
tier = "Silver"
plans = 303
median_usd = 653
p25_usd = 445
p75_usd = 708
min_usd = 367
max_usd = 1124

[[premiumTiers]]
tier = "Gold"
plans = 313
median_usd = 657
p25_usd = 549
p75_usd = 791
min_usd = 473
max_usd = 1230

[[premiumTiers]]
tier = "Platinum"
plans = 52
median_usd = 651
p25_usd = 635
p75_usd = 677
min_usd = 586
max_usd = 712

[[issuers]]
issuer = "Ambetter of Alabama"

[[issuers]]
issuer = "BEST Life"

[[issuers]]
issuer = "Blue Cross and Blue Shield of Alabama"

[[issuers]]
issuer = "Delta Dental PPO"

[[issuers]]
issuer = "EMI Health"

[[issuers]]
issuer = "Guardian"

[[issuers]]
issuer = "Humana"

[[issuers]]
issuer = "Oscar Insurance Company"

[[issuers]]
issuer = "Renaissance Dental"

[[issuers]]
issuer = "TRUASSURE INSURANCE COMPANY"

[[issuers]]
issuer = "UnitedHealthcare"
