The Alabama Department of Insurance (ALDOI) has approved the final 2024 premium rates for the Affordable Care Act Individual Market in Alabama. The rates will be effective on January 1, 2024. 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). On average, rates for BCBS increased 3.1 percent, rates for UHC decreased 15.1 percent, and rates for CIC increased 0.9 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 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, 2024 |
Blue Cross and Blue Shield of Alabama |
Plan |
Sold on Exchange? |
Rate Change |
|
Blue Protect |
On and Off |
2.3% |
|
Blue Standardized Bronze |
On and Off |
3.2% |
|
Blue Saver Bronze |
On and Off |
1.4% |
|
Blue HSA Bronze |
On and Off |
3.0% |
|
Blue Saver Silver |
Off |
5.3% |
|
Blue Saver Silver EPO |
On and Off |
5.8% |
|
Blue Standardized Silver EPO |
On and Off |
3.9% |
|
Blue Standardized Silver |
On and Off |
3.9% |
|
Blue Secure Silver |
Off |
2.5% |
|
Blue Cross Select Silver |
On and Off |
2.5% |
|
Blue Value Silver |
On and Off |
2.7% |
|
Blue Standardized Gold |
On and Off |
7.6% |
|
Blue Cross Select Gold |
On and Off |
5.3% |
|
Blue HSA Gold |
Off |
4.8% |
|
Blue Value Gold |
On and Off |
4.8% |
UnitedHealthcare Insurance Company |
Plan |
Sold on Exchange? |
Rate Change |
|
UHC Bronze Essential |
On and Off |
-15.8% |
|
UHC Bronze Value |
On and Off |
-15.9% |
|
UHC Bronze Standard |
On and Off |
-13.2% |
|
UHC Bronze Value HSA |
On and Off |
-17.6% |
|
UHC Bronze Copay Focus $0 Indiv Med Ded |
On and Off |
N/A - New |
|
UHC Silver Standard |
On and Off |
-17.0% |
|
UHC Silver Value |
On and Off |
-16.0% |
|
UHC Silver Advantage |
On and Off |
-15.3% |
|
UHC Silver Copay Focus $0 Indiv Med Ded |
On and Off |
-16.2% |
|
UHC Silver Advantage+ |
On and Off |
N/A - New |
|
UHC Gold Value |
On and Off |
-17.8% |
|
UHC Gold Standard |
On and Off |
-15.2% |
|
UHC Gold Copay Focus $0 Indiv Med Ded |
On and Off |
N/A - New |
|
UHC Gold Advantage+ |
On and Off |
-15.8% |
Celtic Insurance Company |
Plan |
Sold on Exchange? |
Rate Change |
|
CMS Standard Expanded Bronze |
On and Off |
0.6% |
|
Ambetter Everyday Bronze |
On and Off |
0.7% |
|
CMS Standard Expanded Bronze (+ Vision + Adult Dental) |
On and Off |
N/A - New |
|
Ambetter Choice Bronze HSA |
On and Off |
-0.5% |
|
Ambetter Everyday Bronze + Vision + Adult Dental |
On and Off |
2.7% |
|
Ambetter Choice Bronze HSA + Vision + Adult Dental |
On and Off |
1.5% |
|
Ambetter Elite Bronze |
On and Off |
0.9% |
|
Ambetter Elite Bronze + Vision + Adult Dental |
On and Off |
4.8% |
|
CMS Standard Silver |
On and Off |
0.7% |
|
Ambetter Clear Silver |
On and Off |
1.2% |
|
Ambetter Focused Silver |
On and Off |
2.0% |
|
Ambetter Everyday Silver |
On and Off |
2.8% |
|
CMS Standard Silver (+ Vision + Adult Dental) |
On and Off |
N/A - New |
|
Ambetter Clear Silver + Vision + Adult Dental |
On and Off |
0.1% |
|
Ambetter Focused Silver + Vision + Adult Dental |
On and Off |
0.9% |
|
Ambetter Everyday Silver + Vision + Adult Dental |
On and Off |
1.6% |
|
CMS Standard Gold |
On and Off |
-0.4% |
|
CMS Standard Gold (+ Vision + Adult Dental) |
On and Off |
N/A - New |
2024 Rates for Each Company:
Blue Cross Blue Shield Rates - https://aldoi.gov/PDF/News/BCBSRates2024.pdf
Celtic Insurance Rates - https://aldoi.gov/PDF/News/CelticRates2024.pdf
United Healthcare Rates - https://aldoi.gov/PDF/News/UnitedHealthcareRates2024.pdf
2024 Redacted Actuarial Memorandum for Each Company:
Blue Cross Blue Shield Actuarial Memo - https://aldoi.gov/PDF/News/BCBSActuarialMemo2024.pdf
Celtic Actuarial Memo - https://aldoi.gov/PDF/News/CelticActuarialMemo2024.pdf
United Healthcare Actuarial Memo - https://aldoi.gov/PDF/News/UnitedHealthcareActuarialMemo2024.pdf