The Alabama Department of Insurance (ALDOI) has approved the final 2023 premium rates for the Affordable Care Act Individual Market in Alabama. The rates will be effective on January 1, 2023. The three carriers in the Alabama individual market are Blue Cross Blue Shield of Alabama (BCBS), UnitedHealthcare Insurance Company (UHC), and Celtic Insurance Company (CIC). In general, rates for BCBS decreased 0.3 percent, and rates for UHC increased 14.9 percent. CIC is new to the Affordable Care Act Individual Market in Alabama in 2023. 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 www.aldoi.gov. A representative will be happy to help answer your questions.
ALDOI Consumer Services
Phone: 334-241-4141 or 1-800-433-3966
Email: ConsumerServices@insurance.alabama.gov
Fax: 334-956-7932
Live Chat: Available 9:00 a.m. to 4:00 p.m. Monday through Friday: www.aldoi.gov.
For more information, call the Alabama Department of Insurance at (334) 269-3550.
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Final Rate Changes for Affordable Care Act Policies |
|
In the Individual Market |
|
Changes to be effective January 1, 2023 |
|
Blue Cross and Blue Shield of Alabama |
| Plan |
Sold on Exchange? |
Rate Change |
|
Blue HSA Gold |
Off |
0.6% |
|
Blue Value Gold |
On and Off |
0.5% |
|
Blue Secure Silver |
Off |
-1.9% |
|
Blue Value Silver |
On and Off |
-0.4% |
|
Blue Saver Bronze |
On and Off |
-0.2% |
|
Blue Protect |
On and Off |
-2.3% |
|
Blue HSA Bronze |
On and Off |
0.5% |
|
Blue Cross Select Gold |
On and Off |
0.5% |
|
Blue Cross Select Silver |
On and Off |
-0.3% |
|
Blue Saver Silver |
Off |
-1.4% |
|
Blue Saver Silver EPO |
On and Off |
-0.1% |
|
Blue Standardized Gold |
On and Off |
N/A - New |
|
Blue Standardized Silver |
On and Off |
N/A - New |
|
Blue Standardized Silver EPO |
On and Off |
N/A - New |
|
Blue Standardized Bronze |
On and Off |
N/A - New |
|
UnitedHealthcare Insurance Company |
| Plan |
Sold on Exchange? |
Rate Change |
|
UHC Bronze Value $7,500 Deductible |
On & Off |
16.1% |
|
UHC Bronze Essential $9,100 Deductible |
On & Off |
N/A - New |
|
UHC Bronze Value HSA |
On & Off |
N/A - New |
|
UHC Bronze Standard $9,100 Deductible |
On & Off |
N/A - New |
|
UHC Bronze Standard $7,500 Deductible |
On & Off |
N/A - New |
|
UHC Bronze Essential $6,350 Deductible |
On & Off |
N/A - New |
|
UHC Silver Value $4,000 Deductible |
On & Off |
15.6% |
|
UHC Silver Value $3,300 Deductible |
On & Off |
13.7% |
|
UHC Silver Advantage |
On & Off |
14.7% |
|
UHC Silver Advantage $0 Deductible |
On & Off |
N/A - New |
|
UHC Silver Standard |
On & Off |
N/A - New |
|
UHC Gold Value |
On & Off |
12.2% |
|
UHC Gold Advantage+ |
On & Off |
13.3% |
|
UHC Gold Standard |
On & Off |
N/A - New |
|
Celtic Insurance Company |
| Plan |
Sold on Exchange? |
Rate Change |
|
Ambetter Clear Bronze |
On & Off |
N/A - New |
|
Ambetter Choice Bronze HSA |
On & Off |
N/A - New |
|
Ambetter Everyday Bronze |
On & Off |
N/A - New |
|
Ambetter Clear Silver |
On & Off |
N/A - New |
|
Ambetter Focused Silver |
On & Off |
N/A - New |
|
Ambetter Everyday Silver |
On & Off |
N/A - New |
|
CMS Standard Bronze |
On & Off |
N/A - New |
|
CMS Standard Expanded Bronze |
On & Off |
N/A - New |
|
CMS Standard Silver |
On & Off |
N/A - New |
|
CMS Standard Gold |
On & Off |
N/A - New |
|
Ambetter Elite Bronze |
On & Off |
N/A - New |
|
Ambetter Clear Bronze + Vision + Adult Dental |
On & Off |
N/A - New |
|
Ambetter Choice Bronze HSA + Vision + Adult Dental |
On & Off |
N/A - New |
|
Ambetter Everyday Bronze + Vision + Adult Dental |
On & Off |
N/A - New |
|
Ambetter Clear Silver + Vision + Adult Dental |
On & Off |
N/A - New |
|
Ambetter Focused Silver + Vision + Adult Dental |
On & Off |
N/A - New |
|
Ambetter Everyday Silver + Vision + Adult Dental |
On & Off |
N/A - New |
|
Ambetter Elite Bronze + Vision + Adult Dental |
On & Off |
N/A - New |
2023 Redacted Actuarial Memorandums:
Blue Cross Blue Shield
UnitedHealth
Celtic Insurance
2023 Rates by Company
Blue Cross Blue Shield
UnitedHealth
Celtic Insurance