Consumer Alert: Affordable Care Act Premium Rates

Contact: Jennifer Bowen
(334) 269-3550


The Alabama Department of Insurance (ALDOI) has approved the final 2021 premium rates for the Affordable Care Act Individual Market in Alabama. The rates will be effective on January 1, 2021. The two carriers in the Alabama individual market are Blue Cross Blue Shield of Alabama (BCBS) and Bright Health Insurance Company of Alabama (BHIC). In general, rates for BCBS increased five percent and rates for BHIC increased 22 percent. The actual rates and the supporting material may be found by clicking on the links below.

Consumers with an insurance question may contact the Alabama Department of Insurance, Consumer Services Division, using the contact information below.  The Department also maintains a Live Chat feature for consumers at our website at  A representative will be happy to help answer your questions.

ALDOI Consumer Services
Phone: 334-241-4141 or 1-800-433-3966
Fax: 334-956-7932
Live Chat:  Available 9:00 a.m. to 4:00 p.m. Monday through Friday:

For more information, call the Alabama Department of Insurance at (334) 269-3550.

2021 BCBS Rates

2021 Bright Health Rates

BCBS – Actuarial Memorandum (REDACTED)

Bright Health – Actuarial Memorandum (REDACTED)