Health Insurance in Huntsville, AL

Health Insurance Carriers in Huntsville, AL

Residents of Huntsville can compare marketplace health plans from Ambetter of Alabama, Blue Cross and Blue Shield of Alabama, Oscar and UnitedHealthcare. The dominant carrier in most Huntsville ZIP codes is Blue Cross Blue Shield of Alabama.

Huntsville is Alabama's largest city and home to a major aerospace and defense industry (NASA Marshall Space Flight Center, Redstone Arsenal). This gives the area a larger proportion of federal employees with FEHB coverage alongside the standard commercial marketplace.

2026 Plan Data for Residents in Huntsville

Here is what is actually filed and for sale in Madison County for 2026.

• Huntsville sits in Madison County, where 4 carrier(s) have filed 52 plans for 2026: Ambetter of Alabama, Blue Cross and Blue Shield of Alabama, Oscar, UnitedHealthcare.
• Plan types available to Huntsville residents: EPO, PPO.
• One of the lower-cost Silver options is Blue Standardized Statewide Silver EPO from Blue Cross and Blue Shield of Alabama — $683/month at age 40 with a $6,000 deductible and $40 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.

Hospitals and Health Systems in Huntsville

Medicare’s hospital directory lists these acute-care hospitals in Huntsville:

• Crestwood Medical Center
• Huntsville Hospital

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.

Urgent Care Centers in Huntsville

Urgent care facilities in the Huntsville area include:

• FastMed Urgent Care Huntsville
• Huntsville Hospital QuickCare
• AFC Urgent Care

ACA Subsidies and Medicaid in Huntsville

Residents of Huntsville may qualify for ACA premium tax credits if household income falls between 100% and 400% of the federal poverty level (~$15,650–$62,600 for a single adult in 2026). Apply through healthcare.gov or a licensed broker during Open Enrollment or after a qualifying life event.

Huntsville Health Insurance Market Profile

• Population: 215K
• County: Madison County
• Median Household Income: $68,000 (~435% of the 2026 FPL)
• Marketplace: healthcare.gov