Alabama Department of Insurance Approves 2026 ACA Premium Increases

The Alabama Department of Insurance has approved the 2026 Affordable Care Act (ACA) premium rates, marking substantial increases for individual plans in the state. Blue Cross Blue Shield of Alabama's premiums are set to rise by an average of 19.3%, United Healthcare's by 20%, and Celtic Insurance Company's by 25%. A new entrant, Oscar Insurance Company, will join the Alabama ACA market in 2026, with rates yet to be established. These adjusted premiums will become effective starting January 1, 2026. The rate adjustments reflect ongoing market dynamics affecting ACA plan pricing within Alabama and highlight insurer-specific pricing strategies for the upcoming year.