ALDOI - Current News Item

Affordable Care Act Final Rates

Contact: Jennifer Bowen
(334) 269-3550

10/18/2022

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.

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