Plans Available in Decatur
Marketplace health insurance in Decatur is offered by: Blue Cross Blue Shield of Alabama, Humana, Cigna. The leading carrier in the Decatur area is BCBS of Alabama. Available plans and exact premiums depend on your ZIP code, age, and household income.
Hospitals and Health Systems in Decatur
- Decatur Morgan Hospital
- Crestwood Medical Center Huntsville
Verify that your preferred hospital is in-network before selecting a plan. Use each carrier's online provider directory or call the plan's member services number.
ACA Subsidies and Medicaid
If your household income is between 100% and 400% of the Federal Poverty Level (approximately $15,650 to $62,600 per year for a single adult in 2026), you likely qualify for premium tax credits that reduce your monthly premium. Contact a broker to check Medicaid eligibility — coverage rules vary by household.
How to Enroll
Open Enrollment runs November 1 through January 15 each year. If you have a qualifying life event (job loss, move, marriage, new baby), you have a 60-day Special Enrollment Period. An independent, licensed broker can compare every plan available in your Decatur ZIP code at no cost to you.
2026 Plan Data for Residents in Decatur
Here is what is actually filed and for sale in Morgan County for 2026.
- Decatur sits in Morgan County, where 3 carrier(s) have filed 43 plans for 2026: Ambetter of Alabama, Blue Cross and Blue Shield of Alabama, UnitedHealthcare.
- Plan types available to Decatur residents: EPO, PPO.
- One of the lower-cost Silver options is Blue Statewide Silver EPO from Blue Cross and Blue Shield of Alabama — $639/month at age 40 with a $3,500 deductible and $10 primary care.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Verify current rates at enrollment.