Plans Available in Decatur
Marketplace health insurance in Decatur is offered by: Ambetter of Alabama, Blue Cross and Blue Shield of Alabama and UnitedHealthcare. 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
Medicare’s hospital directory lists these acute-care hospitals in Decatur:
- Decatur Morgan Hospital – Decatur Campus
Which plans include each hospital varies by plan and year, not just by insurer. Before you enroll, confirm that your doctors and preferred hospital are in-network for the specific plan ID you choose. We do this check for every client at no charge.
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.