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


2023 Redacted Actuarial Memorandums: 

Blue Cross Blue Shield

UnitedHealth

Celtic Insurance 

2023 Rates by Company

Blue Cross Blue Shield

UnitedHealth

Celtic Insurance